Hello, my friends. Have you ever heard of an SPD? Summary Plan Description. Ask for this information from your health insurance carrier. This description will help you to understand what you are covered and not covered for on your health insurance policy. When I am appealing your claims, this information will help me to better understand your coverage on how to overturn your case. I recently was able to have my client’s outstanding invoice paid for over $7,000. Please call me if you need help. Thank you.