[header] How to challenge an hmo's denial of coverage [title] Determine if you have been denied coverage by reading your insurance policy carefully. [substeps] Sometimes an hmo will need to investigate a claim further. While its investigation is pending, the hmo may put a hold on the claim. 
However, an insurance company failing to respond can also amount to an outright denial; it depends on your individual policy. [title] Read carefully through any pre-certification letter or evidence of benefits (eob) statement that explains why your claim has been denied.