Understanding Medical Necessity: How Insurers Determine What's Covered

Introduction: The High Stakes of Medical Necessity Imagine being denied life-saving chemotherapy because your insurer deems it “not medically necessary.” For millions, this nightmare is real. In 2023, 1 in 5 insured adults faced claim denials, with 14% involving medically necessary care (Kaiser Family Foundation). This guide arms you with tactics to decode insurer criteria,...