NN ADVICE FOR 2ND APPEAL CONFERENCE CALL WITH CIGNA
Yes, I have some advice: Go ahead and play the game with them over the phone. I did and still lost. Best bet is to go to your State's Department of Insurance. Give them all of your records and believe me if there is a medical necessity they will make sure your insurance company pays. I've been waiting since January, been through 3 denials and went to the insurance department and their IRO read all records and recommended BCBS/NC to reverse their decision. Hey it worked. The A-hole. Best Advice don't give up. I wanted to everytime they denied me but I just hated paying out of pocket when I knew with my co-morbidities I have a necessity.