Verdict
Structural — appeal rarely changes it
The denial reflects the plan's contract (an exclusion or an exhausted limit). Verify the payer applied the right facts, then move to the patient conversation rather than an appeal.
Plan design is not appealable. Verify the right plan was adjudicated (employer plan changes mid-year cause false 204s), then move to the patient-pay conversation. Prevention is verification: benefit category checks before high-cost treatment plans.