Though rare, it’s possible that your insurance might deny coverage for your stem clel transplant. Although in an ideal society this would not be added to your responsibilities, the following steps can help you make the stem cell transplant a reality for your treatment. 

• File an appeal immediately.
• Request a letter of medical necessity from your doctor.
• If your chosen facility is out of state, explain why your current city lacks the necessary resources for the procedure.
• Reference articles from HealthTree:

  • “Filing an Internal Appeal, Part I” (May 2021)

  • “Filing an External Insurance Review Appeal, Part II” (May 2021)

• Watch for deadlines on appeals, as missing a timeline could impact your coverage.
• Keep copies of all paperwork and communications.