Q. If my health insurance company denies my claim, does the health care reform law make it easier to fight that decision?
A. Yes, the law provides you with new rights not only to appeal denials within your plan but, if the plan won't budge, you can get an unbiased decision from an outside review organization. And that decision won't merely be advisory, as it has been in some states. If you win, your insurer will have to pay for the benefit it denied.
The ability to appeal to an independent group of experts is a "key element" of the law, said Karen Pollitz, director of the new Office of Consumer Support in the U. S. Department of Health and Human Services. "When we talk about putting Americans back in control of their health care, this is a prime example of how," she said.
The law also creates consumer advocates in every state who can make sure you don't become hopelessly overwhelmed by incomprehensible rules.