lotusrising

Thanks so much for your response - I'm going to try submitting the appeal through BSC and to the IMR at the same time. Since I already received the BSC denial I'm entitled to the IMR, and I can't see any downside to trying a second appeal directly with BSC. If they approve me the second time around then the IMR will be canceled.

Congratulations - that is such great news! I'm curious - do you have Blue Shield of CA, or Blue Cross of CA? (They are two different companies in CA.) I got denied by Blue Shield of CA and my appeal was denied... but I did just a verbal/phone appeal. The letter said I can now do an IMR appeal, but I'm wondering if I may be able to write a better appeal letter and send directly to my insurance company for a "second try". Best of luck, I have my fingers crossed to win an appeal - otherwise I will be looking at loan options.