Tips For The Savvy Consumer From
The Colorado Division of Insurance

Read your policy or membership booklet carefully. The key to getting quality health care is being an educated consumer.

If you believe you have been wrongly denied coverage, create a paper trail by organizing the following:

  • Your policy.
  • Copies of denial letters.
  • Copies of any correspondence with your health plan, detailed notes of conversations.
  • Copies of any correspondence between your doctor and the health plan concerning your problem.

In all correspondence, include:

  • Your name, address, and telephone number.
  • Policy number.
  • Type of policy.

For all phone conversations, keep a written record of:

  • The date and time of your call.
  • Name of the person you talked with.
  • What was discussed during the call.

Send a copy of any letters to your employer's benefits manager or human resource director. Your company is interested in your health and your satisfaction with the health plan. The benefits manager may have some leverage with the health plan, since employers can consider switching health plans if there are enough complaints.


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