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Before an insurance denial, try to prevent one. Though the jargon is thick and the terms confusing, reviewing your health insurance plan to determine whether a procedure is covered or not can save you the headache of trying to be retroactively paid. If you are going in for a surgery or a pre-scheduled procedure, oftentimes your doctor’s office will obtain pre-authorization for you—but don’t leave it up to them. Call your insurance office or follow up with your doctor’s office to make sure you have insurance approval, and ask to have the approval information sent to you in writing.