Sometimes, an unforeseen medical need arises which may not be covered by your insurance plan. What do you do when you need a test or treatment and your insurance company refuses to foot the bill? Well, if your insurance policy doesn’t cover certain things like cosmetic surgery or chiropractic care, you might want to file an appeal. With an appeal, you ask your insurance provider to cover tests and services outside your individual policy or plan. According to a recent Kaiser Health News report, most insurers will accept appeals and help pay for needed services.