How do I deal with a denied claim?

Anthem Blue Cross needs authorization from Student Health & Counseling Services before claims are processed.

Anthem Blue Cross maintains the right to investigate submitted claims, and sometimes require additional information including claim forms as necessary for the proper adjudication of the claim, at its discretion.

It may be that you are lacking a referral from Student Health & Counseling Services. Please see Billing Process to make sure you've taken all necessary steps. 

It may also be that the service you had received is an insurance exclusion (see the insurance brochure for details of exclusions and limitations).

You have the right to request an independent medical review if healthcare services have been improperly denied, modified, or delayed based on medical necessity.

NOTE: Always keep a copy for your files of all forms submitted for claims.