Has your health insurer denied your care or placed unreasonable restrictions on your ability to access health care treatments and services?

Health insurance companies use various approaches to cut costs. Examples of these include copay accumulators, nonmedical switching, step therapy, and prior authorization.

As a result of these tactics, your insurer may not cover certain treatments prescribed to you or may require you to take a number of steps before your treatment is approved. While your experience with your health insurer may be frustrating and demoralizing, we are here to help.

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What steps can you take?

To determine what steps to take if your insurer improperly delays or denies your coverage, please click on the state where you live in the map above or select your state here:

Has your health insurer used improper barriers?

To determine whether your insurer has used measures to
improperly delay or deny your coverage, click here.