A FYI for followers: State insurance commissioners are consumer advocates. They deal with insurance fraud as well as health, homeowners, life, flood, etc. companies which tend to be obstructive when it is time to pay the piper. Health insurance is the worst. This is MedTwitter,
2)so I will focus on the health insurance scumbags. If you and your doctor determine that your health insurance company is denying a claim or refusing to honor a medication and instead is telling your doctor how to practice medicine, you as a consumer can contact your state
3)insurance commissioner and file a complaint against your insurance company as well as the medical director or physician who denied your claim. You can ask the insurance company for the name and medical license number of the physician to provide to the commissioner. Many times,
4)this step is enough to make them do the right thing. Prior authorizations and peer to peer processes are also designed to discourage, delay or block appropriate care to save the insurance company money. They fully expect that you will then pay out of your pocket rather than
5)deal with them. Don't fall for it. Once the complaint process begins, the insurance company will be expected to present their evidence on why they are denying you care. When they have to answer to someone it ain't comfortable. IMO, state insurance commissioners are one of the
6)underutilized assets for the public. Don't be afraid to use them. Some examples of success stories...I'm in CA so I am using stories from this state. 
7)This particular case did not occur in CA and went through an appeals process--another delay tactic. I just love how this physician advocated for his/her patient. After this letter, the doc got what they demanded. This is the s**t that is done by doctors behind the scenes.
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