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Your Definitive Guide to Navigating Denials, Leveraging Protections, and Securing CareIntroductionWhen Malik, a diabetic construction worker in Ward 8, was denied coverage for his insulin pump, his insurer claimed it was "not medically necessary." After filing a complaint with DISB and invoking his external review rights, Malik won—and saved $12,000 annually. Like Malik, 1 in...