Instead, Cigna sent van Terheyden a letter explaining that it would not pay for the $350 test because it was not “medically necessary. ... But Cigna does not expect many appeals.

First, refer back to your denial letter, which should include information about how to file an appeal and, potentially, specific instructions about what to include and in what format, Gurewitz says.

First, refer back to your denial letter, which should include information about how to file an appeal and, potentially, specific instructions about what to include and in what format, Gurewitz says.

Rep. Cathy McMorris Rodgers, a Republican from Washington who chairs the committee, noted that policyholders under Cigna’s Medicare Advantage plans appeal about one in five denials for requests ...