A case manager discovers that a client's insurance plan has denied coverage for a recommended specialist referral. After reviewing the denial letter, what is the most appropriate next step?
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A
Accept the denial and seek an alternative in-network provider immediately
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B
File a formal internal appeal with supporting clinical documentation from the treating physician
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C
Advise the client to pay out-of-pocket and seek reimbursement later
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D
Escalate directly to the state insurance commissioner without attempting an internal appeal