Fight Insurance Denial: How to Challenge Rejected Claims and Get Your Medications Covered

When your insurance company says fight insurance denial, the process of challenging a refused prescription or treatment claim. Also known as appealing a drug denial, it’s not just paperwork—it’s your right to access the medicine your doctor prescribed. Too many people give up after the first "no," but denials aren’t final. They’re just the start of a process you can win—with the right info and a clear plan.

Most denials happen because of prior authorization, a requirement where insurers demand extra proof before covering a drug. Your doctor might’ve ordered a generic, but the insurer pushed back because they want you to try a cheaper one first. Or maybe you got hit with a Medicare denial, a refusal under Part D coverage due to formulary restrictions or coverage gaps. These aren’t random. They’re policy-driven. And they’re beatable. You don’t need a lawyer. You just need to know where to look, what to say, and when to escalate.

Look at the denial letter. It’s not a mystery—it’s a checklist. It tells you exactly why they refused: wrong formulary, missing documentation, step therapy not completed. You fix those. Call your pharmacy—they’ve done this a hundred times. Ask your doctor to write a letter of medical necessity. Use manufacturer patient assistance programs. And if all else fails, file a formal appeal. Over 50% of appeals succeed when people follow through. This isn’t about being loud. It’s about being smart.

The posts below show you exactly how to do this. You’ll find real-world guides on how to read your drug plan’s rules, what to say when you call customer service, how to spot when an insurer is pushing you toward a cheaper but less effective drug, and how to use generic alternatives without risking your health. Some posts even cover what to do when your insulin, cancer med, or mental health drug gets denied—because those aren’t choices, they’re lifelines. Whether you’re on Medicare, private insurance, or struggling with the donut hole, you’ll find tools that work. No fluff. No jargon. Just steps you can take today.