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[Denied] employer carve-out was in the plan document, not the summary
Long-ish post, sorry. tl;dr at the bottom. I have been tracking copay against eGFR for 23 weeks because I could not find anyone who had. The correlation is weaker than I expected, which is itself mildly interesting given how confidently people link the two in here. Caveats up front: one person, one lab, one assay, no…
This is correct. Appeal letters work.
Edit to your parent would help — the concentration you quoted assumes one scenario and you have written another above it.
external review is the appeal after insurance says no
Disagree but this is the good kind of wrong — it is specific enough to be checked.