Appeal a denial — by insurer
UPDATED · U.S. PLANS · NOT LEGAL OR MEDICAL ADVICE
The federal appeal rules are the same almost everywhere — at least 180 days to appeal, independent external review after the final internal denial — but every insurer routes appeals differently: different portals, entities, and quirks. Find yours below.
One rule beats them all
- The appeal-rights section of your own denial letter names the exact address, portal, and deadline for your plan. It is authoritative; insurer pages (including these) are the background briefing.
| Insurer | What to know |
|---|---|
| UnitedHealthcare | UnitedHealthcare (part of UnitedHealth Group) is the largest health insurer in the U.S., covering employer plans, ACA marketplace plans, Medicare Advantage, and Medicaid plans. |
| Aetna | Aetna is part of CVS Health and covers employer plans, ACA marketplace plans in some states, and a large Medicare Advantage book. |
| Cigna | Cigna Healthcare focuses heavily on employer-sponsored coverage, with pharmacy benefits usually managed by Express Scripts (part of Cigna's Evernorth). |
| Blue Cross Blue Shield | Blue Cross Blue Shield is not one company — it's an association of dozens of independent, locally operated Blue plans (Horizon, Highmark, Florida Blue, CareFirst, Premera, and many more). |
| Anthem (Elevance Health) | Anthem is the Blue-branded insurer operated by Elevance Health (renamed from Anthem, Inc. |
| Humana | Humana today is primarily a Medicare Advantage and Medicare drug-plan insurer (it has been exiting employer group coverage). |
| Kaiser Permanente | Kaiser Permanente is an integrated system — the insurer and the medical group are part of the same organization, operating in California and several other states plus D.C. |
| Ambetter (Centene) | Ambetter is Centene's ACA marketplace brand, sold through state-specific companies (Ambetter from …). |
| Molina Healthcare | Molina Healthcare focuses on Medicaid managed care, ACA marketplace plans, and Medicare plans. |
| Oscar Health | Oscar is a technology-focused insurer selling primarily ACA marketplace plans. |
Don't see your insurer? The process still follows the same federal baseline — start with the step-by-step appeal guide and the free letter template.
Help for your plan
Prepare a packet for the insurer named in your notice.
GetMyYes reads the insurer, reason, and deadline in your notice, then prepares clear documents for you to review.
No card is required for the preview. Unsaved guest uploads normally auto-delete after 24 hours. Read the retention details.
Free preview · $39 full packet · No subscription