How can policyholders challenge a denied insurance claim?

Policyholders can effectively challenge a denied insurance claim by submitting a formal request for review to the insurer. This process typically involves providing additional information or documentation that may support the validity of the claim. Insurers often have established procedures for reviewing denied claims, and a formal request initiates this internal review process. This step allows the policyholder to engage directly with the insurer's claims department and potentially resolve misunderstandings or misinterpretations regarding the claim.

The other options provided do not directly address the claims process. For instance, contacting a local health department may not pertain to the claims dispute and is more relevant to health regulations rather than insurance matters. While filing a complaint with the insurance commissioner might raise awareness of broader issues within the insurance company, it does not directly resolve a specific claim denial as effectively as the review request does. Switching to a different insurance provider might seem like an option, but it does not have any bearing on the established claim that has already been denied and could leave the policyholder without resolution for their current situation.