Appeal deadline calculator

ESTIMATES COMMON FEDERAL TIMEFRAMES · YOUR DENIAL LETTER ALWAYS CONTROLS · NOT LEGAL ADVICE

Your denial letter started a clock. Enter the date on the letter and get the estimated deadlines that typically apply to commercial plans — then download calendar reminders so nothing slips.

How these estimates work

• Filing window: many non-grandfathered commercial plans allow at least 180 days from the denial notice for the internal appeal. Some plans allow more; your letter states the real number.
• Insurer decision: commonly ~30 days (pre-service) or ~60 days (post-service) per appeal level, and 72 hours for qualifying urgent appeals.
• External review: often within 4 months of the final internal denial under the federal process; some states differ. See external review, explained.
• Medicare, Medicaid, and some self-funded or grandfathered plans run on different rules — the letter and plan documents control.