Appeal a denial — by insurer
UPDATED JULY 2026 · 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.
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