MARYLAND POLICIES
If you are a Virginia resident and have been denied coverage or reimbursement by a Maryland insurer you have several options. Please remember there may be deadlines for responding and filing complaints, so do not delay.
Appeal the decision immediately!
Write to the insurer- sample letter located here
https://sites.google.com/site/marylandlyme/insurance-problems/response-to-denial-letter
Maryland Attorney General's website- information on how to file a report online or by mail
http://www.oag.state.md.us/Consumer/HEAUrelform.htm
File a complaint with the Maryland Insurance Commission
http://www.mdinsurance.state.md.us/sa/jsp/consumer/FileComplaint.jsp
A transcript from a court case involving Lyme disease included testimony by an insurance executive. Bottom line- insurers sometimes flag Lyme cases and have been known to deny patients claims initially to save $$, but they usually will pay the claim if an appeal is filed.
NEVER let it drop when you are denied. Fight for your rights! And make it easier on yourself by getting help from the above agencies when doing so. Some of them have been very helpful in the past.