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Health Care Reform:

Health Insurance & Affordable Care Act

Your Guide to Health Insurance Paperwork


If your internal appeal is denied, you also have the right to an independent external review. Your insurance company should send you information about how to appeal its decision a second time in the notice it sends informing you it has denied your first appeal. You can also call the U.S. Department of Health and Human Services at 877-549-8152.

Keep copies of all your bills and EOBs. Also keep any letters from your provider or your insurance company about a dispute. Write down the name and phone number of every person you talk with about your bill. Include the date of the conversation. These records will be very helpful when it comes time to argue your case.

14. Where can you get help fighting a bill?

Some states have consumer assistance programs within the state insurance office. You can go to the National Association of Insurance Commissioners to find out what help is available in your state. You also can get information and assistance about fighting a medical bill from:


WebMD Medical Reference

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