Question:
What should I include in my appeal letter to Cigna HMO?

   — Julie A. (posted on March 10, 2003)

March 10, 2003
Generally speaking, only address the reasons given why you were denied. Do not include a lot of emotional stuff. I can tell you from experience, that turns the reviewer off; it does not help, just makes you look like a whiner. Any time you can justify surgery based on future cost savings to the plan, that's where you need to go. If you give more detail on why you were denied, that might generate more responses.
   — koogy