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It sounds like great advice if your health insurance denies a claim.

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@bodhipaksa simple question: what if they simply refuse? With a simple polite or even a rude no?
@paraw I don’t know, but you have the right to appeal decisions that have been made. This is stated in writing in every letter you receive from a health insurance company. I assume that if they refused to respond to an appeal then they would open themselves to a lawsuit for reneging on that right.
@bodhipaksa you're probably right. I guess if a patient has enough money and time to take on an insurance company, they may win before they die.