Ask the plan to identify the exact reason in plain language and point to the plan document, guideline, or criterion it applied. If the notice uses terms such as excluded benefit, not medically necessary, no prior authorization, out of network, incomplete records, or untimely request, ask whether that is the only denial basis. Also ask whether the decision applies to the entire request or only particular dates or services.
Use three labels in your notes. Mark a statement confirmed only when it appears in a current written source or is clearly confirmed by the responsible party. Mark it needs review when a representative gives a verbal answer, the wording is unclear, or another party must verify it. Mark it not established when no reliable source supports it. For Living Longer Recovery, public records confirm Living Longer Recovery, Inc., California record number 330022BP, at 68257 Calle Azteca, Desert Hot Springs, CA 92240. Those records identify residential drug and alcohol detox, a 14-person capacity, co-ed adults, and incidental medical services. Current availability, fit, admission, room type, staffing, schedule, medications, insurance participation, payment, and outcomes are not established by those records.
- What exact service, date range, provider, and billing or authorization code did you review?
- Was the denial based on plan benefits, clinical criteria, network rules, missing records, timing, or more than one reason?
- Where can I obtain the full criterion or plan provision used in the decision? Was the criterion current on the review date? Who made the decision? Ask for the role, not personal or