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.
Every commercial health plan must offer at least one level of internal appeal and access to independent external review under 45 CFR § 147.136. The deadline runs from the date on your denial notice — most carriers give 180 days for the internal appeal, and 120 days after the final internal denial to request external review. Pick your insurer for the exact filing address, expedited-review windows, and the denial reasons it cites most often.
Showing 6 of 12 insurers · Internal appeal
UnitedHealthcare
Verified180-day filing window
Anthem Blue Cross Blue Shield
Verified180-day filing window
Aetna
Verified180-day filing window
Cigna
Verified180-day filing window
Humana
Verified180-day filing window
Kaiser Permanente
Verified180-day filing window
Related
Long-term disability (LTD) denial?
LTD claims through Unum, The Hartford, MetLife, Prudential, Lincoln Financial, and NYL GBS have their own ERISA appeal rules — 180 days, full claim file rights, and a strict administrative record.
Browse LTD carriers →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.