UnitedHealthcare denied claim appeal
UHC · updated for 2026
Appeal in 4 steps
- 1Read the UnitedHealthcare denial letter (EOB) and identify the cited medical policy.
- 2Request the full clinical policy bulletin from UHC; ERISA plans must provide it free of charge.
- 3Gather office notes, imaging, prior therapy history, and a letter of medical necessity from your treating physician.
- 4Submit the appeal in writing to the address on the denial letter, by certified mail and through myuhc.com if available, within 180 days.
Key facts
| Internal appeal window | 180 days from denial |
|---|---|
| External review window | 120 days after final internal denial |
| Expedited appeal | Decision within 72 hours |
| Appeals address | UnitedHealthcare Appeals, P.O. Box 30432, Salt Lake City, UT 84130 |
| Phone | 1-800-657-8205 |
| Member portal | myuhc.com |
ERISA group plans have a 180-day window for the first internal appeal under 29 CFR 2560.503-1. Marketplace plans follow the same window under 45 CFR 147.136.
Upload the denial letter. Get the cited policy identified, the evidence checklist, and a finished appeal letter you can sign.
Common UHC denial reasons
- Not medically necessary
- Prior authorization not obtained
- Out of network provider
- Experimental or investigational
- Step therapy not completed
Evidence checklist
- ✓Denial letter (EOB)
- ✓Member ID and claim number
- ✓Treating physician letter of medical necessity
- ✓Office notes from the last 12 months
- ✓Imaging or lab reports
- ✓UHC clinical policy bulletin (cited in denial)
- ✓Prior therapy history
- ✓Specialty guideline citation
FAQ
How long do I have to appeal a UnitedHealthcare denial?+
180 days from the date of the denial to file an internal appeal. Expedited (urgent) appeals must be decided within 72 hours.
Where do I send a UnitedHealthcare appeal?+
Use the address on your denial letter (the EOB). Addresses vary by plan and region; the denial letter is authoritative.
Can I appeal a UnitedHealthcare denial without a lawyer?+
Yes. Most internal appeals are filed by the member or the treating physician. The appeal should cite the insurer's clinical policy and include a letter of medical necessity.
What happens after the internal appeal?+
If the final internal appeal is denied, you have 120 days to request external review by an Independent Review Organization. External review is binding on the insurer.