Please choose the correct ending to complete the given sentence: Finance and Business: [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.

Ending1: It may also request that you recoup the amount of monthly expenses you claim, if you have been denied coverage by a staff member. The hmo will ask you for specific details regarding the coverage your claim was denied. Ending2: 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. Ending3: Automatically denied coverage is prohibited in health care insurance policies. In this situation, the hmo can raise some concerns if you have been accused of an insurer's denial of coverage. Ending4: In this situation, you may have been denied coverage because your claim was what any other insurance company would have told the hmo. Review your policy carefully and examine if there were errors.

Answer format: ending1/ending2/ending3/ending4