Appeal a denied claim, by insurer
Each insurer publishes its own clinical policies and appeal procedures. Pick yours for the deadline, address, and the denial reasons it cites most often.
UnitedHealthcare
180-day internal appeal · 72-hour expedited
Anthem Blue Cross Blue Shield
180-day internal appeal · 72-hour expedited
Aetna
180-day internal appeal · 72-hour expedited
Cigna
180-day internal appeal · 72-hour expedited
Humana
180-day internal appeal · 72-hour expedited
Kaiser Permanente
180-day internal appeal · 72-hour expedited
Blue Shield of California
180-day internal appeal · 72-hour expedited
Molina Healthcare
180-day internal appeal · 72-hour expedited
Ambetter (Centene)
180-day internal appeal · 72-hour expedited
Oscar Health
180-day internal appeal · 72-hour expedited
Elevance Health
180-day internal appeal · 72-hour expedited
Independence Blue Cross
180-day internal appeal · 72-hour expedited
Not sure which policy your insurer used?
Upload the denial letter. The free analysis identifies the cited policy and what evidence overturns it.
Not legal or medical advice. This page is a self-help resource. You make your own decisions. Strip personal identifiers (name, date of birth, address, member ID) from any document before uploading or sharing. The information here summarizes commonly-published payer policies and federal rules; confirm against your specific plan document and the current denial letter before acting.