Start here: four questions
Answer four questions about what you received and get your path, the general deadline for your coverage and your first steps, with the phone call to make first if care is ending.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. What you received, your coverage, what was refused, and whether care is urgent.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It does not decide whether your appeal will succeed, it does not ask for dates (the deadline calculator turns the date on your notice into exact dates), and it does not send anything to anyone.
Answer the questions
Loading the questions…
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. What you received, your coverage, what was refused, and whether care is urgent.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It does not decide whether your appeal will succeed, it does not ask for dates (the deadline calculator turns the date on your notice into exact dates), and it does not send anything to anyone.
Related guides and checklists
- Guide
How to read a denial letter line by line
Find the reason, the rule the plan relied on, your appeal rights and your deadline in a denial letter. Read them in the order that makes the letter easiest to act on.
- Guide
The first 48 hours after a denial
A calm list of what to do, and what to hold off on, in the first two days after a health plan says no to care, a drug or a claim.
- Guide
What a denial letter must tell you
A federal rule lists what a denial notice from an employer plan or an insurance company must contain. Here is the exact list, and what to do when something is missing.
- Guide
Your rights when a health plan says no
The main rights federal rules give you after a denial, in plain words, with the limits. See what a private plan must do and what Medicare, Medicaid and other programs add or change.
- Checklist
First 48 hours after a denial
What to do, and what to leave alone, in the first two days after you get a denial, before you write an appeal.
- Checklist
What your denial letter should contain
A list of what the federal rules say a denial notice must contain, so you can tick what your letter has and ask for what it lacks.