Health insurance, COBRA, Medicaid, Medicare, Social Security, Part A, Part B, Part C, Part D, disability, long-term care…..Enough!!  Whether it’s a private or public program, health insurance is a complex but critical part of life, especially for older persons. Costs and coverage are often confusing and sometimes we need help keeping track of claims. Sometimes a service, procedure or prescription recommended by your doctor may not be approved, or coverage or payment may be denied. Most health insurance plans and governmental programs provide a right to appeal an adverse determination, but you must comply with the process and timeframes set forth by the health plan. Often family members and friends can help you file an appeal or gather documents needed to request reconsideration of a denial. In cases of extreme health or financial consequence, it would be wise to have the matter reviewed by experienced legal counsel who may assist in presenting your case for coverage or payment as required by the health insurance company or government agency.