Cancer Support

Be prepared for all of the above.

While it seems like the next logical step is file an appeal, I would go ahead and consult an attorney before proceeding with the appeal. If you have the financial means to do so, then having an attorney on your case at the beginning sends a powerful message to the insurance company that you are fighting for your life and don't stall my case. I would also be prepared to contact the physician that wrote that prescription so that he knows that his orders are being countermanded and if there is an alternative to the prescription available.

While you might not want to spend money for an attorney, keep in mind that the alternative might be that you won't be alive to spend it later.

Filing a complaint with the insurance commissioner will probably not result in the outcome you want in a timely manner. However, if the insurance board is getting a lot of complaints about particular health insurance companies then it might raise red flags so that other people may have an easier time dealing with the insurance company in the future.