The best way to protect yourself against a denial is to get pre-approval for medical services from your insurer in non-emergency situations. If it is an emergency, it is truly the responsibility of the medical provider to obtain the pre-authorization. Even if your provider is planning to perform surgery on you, it is their responsibility. I recently overturned a case that was over $32,000 because the provider never received pre-authorization in advance. Please, if you have any problems, please call me. I’m here to help you.