As I said in an earlier blog, knowing how to handle your health insurer is one way to be a smart patient. Knowing how to handle denials is obviously a big part of that, since it's the one time most of us have a problem with our health insurance.

You probably will see denials more often for courses of talk therapy than anything else. Therapy is the most expensive form of treatment. But your insurer may also deny your doctor's request for brand name as opposed to generic medication.

Don't be...