Before you dial

Write down the exact service or medication, ordering provider, date submitted, and any request number. Decide what you need to know by the end of the call.

During the call

Ask questions that produce an owner, an item, and a date.

  • When and how was the request received?
  • Is any information missing, and who must send it?
  • What review window applies, and when does that clock begin?

After the call

Record the reference number, promised actions, and a specific follow-up date. Share any missing-item request with the provider using the insurer’s exact wording.

Use this to prepare—not to replace the plan.

Your plan documents, written notices, and applicable law govern your situation. If a deadline or benefit is unclear, ask the insurer to identify the controlling document in writing.