The Insurance Warrior

Insurance denials are terrifying

There is one treatment that can save your life. 
When you ask for that treatment, your insurer denies it,
stating that the treatment is ...

Experimental/investigational
Not medically necessary
Out-of-network


Are these denials cast in stone? 
Do you have to die
because your insurer doesn't want to pay?
Absolutely not.



Denials can be overcome

Treatments are denied with words. 
And denials are overcome with words.  
What does "experimental" really mean? 

"Experimental" means whatever the insurance company says it means.

Once you understand insurance company words,
you will be able to turn those words to your advantage.



Laurie has walked in your shoes

In 2005, Laurie was diagnosed with Stage IV appendix cancer. 
The oncologist said, "There is no treatment for your disease. 
And, even if there were, they wouldn't pay for it."

Laurie found the world's expert on appendix cancer. 
He was out-of-network, she had no out-of-network benefit.

Laurie spent two months inventing the winning appeal. 
Three days after receiving her 23-page war document,
the HMO called:  "We decided to pay it all."  

They paid every penny of her surgery,
chemotherapy, and hospitalization—$345,000.

She went on to write and win forty-four appeals for other patients.
All different insurers, all over the country. 



You can win your own appeal

Fight Your Health Insurer & Win, is Insurance Warrior 101.
If you need the basics, this is the book for you.

Laurie's book empowers you to ... 

   •   Find the best treatment for your disease. 
   •   Qualify your doctor.
   •   Write the appeal that will make your insurer pay.


Her CD, The Sample Appeal, is Insurance Warrior 102-103.
If you are writing an appeal right now, this is your workbook.

Laurie's CD gives you ...

   •   Page-by-page instructions on how to prepare your appeal
   •   Delivery strategy: Who to send it to, how to find them
   •   Plus a sample appeal document for you to edit and use