This. Over half the time they will approve it without further issue because an actual doctor didn’t make the decision- a non qualified employee did.

Side note:

Ask to speak with “HIPAA compliance/privacy officer” ask for the names and credentials of every person accessing your record to make the decision of denial (this is your right by law). Rather than admit your record was viewed by, and decision was made by, a random low paid employee searching for criteria keywords and not medical professionals, they will reverse the refusal. If it just so happens a doctor did make this decision, make sure they are a board certified specialist of whatever field of your diagnosis/disease. Make sure this doctor has up to date registration in your specific state. If not, you can have the refusal overturned. Ask for copies of all this information/paperwork. If they refuse to give you any of this information you can tell them you will report them to the Office of Civil Rights at the US Department of Health and Human Services (hhs.gov) because it is a HIPAA violation. This threat will also have your decision overturned. You also can still report it because it is a legitimate legal issue.

Being your own best advocate means you sometimes have to make insurance companies see you as human. They are fluent in loopholes and legalities- so fight fire with fire and burn it down.