Nonprofit ยท Aimed Alliance
Coverage Rights state-by-state appeal steps
A nonprofit website that gives each state's steps for appeal, external review and complaint when an insurer denies or delays a treatment, with a focus on medicines. No helpline or letters.
Know before you go
Choose your state on the map; each state page lists the same three steps: appeal the decision, request external review, and file a complaint. The site is run by Aimed Alliance, a not-for-profit health policy organization, which lists pharmaceutical companies among its commercial supporters. Our research review found many legal citations on the site date from 2016, so confirm rules with your regulator. Its security certificate had expired when we first checked; the page loaded normally on 12 November 2026. State pages are written for state-regulated plans, which may not include a self-funded employer plan.
- Cost
- Not stated
- Where
- Nationwide
- How to start
- Open the site, click your state on the map, and follow the steps in order. Check each deadline against your notice.
- Have ready
- Your state; The denial letter; Your policy and your insurer's medical necessity criteria, if you have them
Where this comes from
- Provider
- Aimed Alliance
- Source we read
- https://coveragerights.org/
- Date we read it
- . This is not a fresh check.
- Date the provider printed
- Not displayed
- What we checked
- We read the provider's public page. We have not verified availability, eligibility or outcomes for any individual.
Other starting points
- Program or service
Beneficiary and Family Centered Care Quality Improvement Organizations: find yours
The Medicare contractors that handle fast appeals when hospital or other care is ending too soon, and complaints about the quality of care. Each state is assigned to one of two organizations.
From Centers for Medicare & Medicaid Services
- Program or service
California Department of Managed Health Care: Independent Medical Review
California's regulator for managed care plans reviews denials of medical services, emergency payment and experimental treatment through Independent Medical Review. One form starts either a review or a consumer complaint.
From California Department of Managed Health Care
- Program or service
Center for Medicare Advocacy self-help materials
Downloadable self-help toolkits for Medicare denials involving home health care, outpatient therapy and skilled nursing facility care, from a nonprofit law organization. The page describes materials, not a helpline.
From Center for Medicare Advocacy