Every state has unique insurance appeal laws, deadlines, and consumer protections. Find yours below for specific guidance on fighting your denied claim.
Detailed appeal guides with state-specific laws, regulators, and deadlines.
Regulator: DMHC / CDI
Deadline: 180 days internal
DMHC independent medical review — binding on insurer
View full guide →Regulator: Office of Insurance Regulation
Deadline: 180 days internal
Free mediation through DFS for claim disputes
View full guide →Regulator: Dept of Insurance
Deadline: 180 days internal
External review covers experimental treatment denials
View full guide →Regulator: DFS
Deadline: 180 days internal
Strongest external review law — covers clinical and non-clinical denials
View full guide →Regulator: Insurance Dept
Deadline: 180 days internal
HealthChoices external grievance review process
View full guide →Regulator: TDI
Deadline: 180 days internal
Independent Review Organization (IRO) for external review — binding decision
View full guide →Regulator: OIC
Deadline: 180 days internal
Balance billing protections — among strongest in the US
View full guide →Find your state's insurance regulator, appeal deadline, and key consumer protection.
Under the Affordable Care Act, every insured person has the right to at least one level of internal appeal. Your insurer must respond within 30 days (pre-service) or 60 days (post-service). Urgent cases: 72 hours.
After exhausting internal appeals, you can request an independent external review. An outside physician reviews your case. The decision is binding on your insurer in most states.
If your insurance comes through an employer, ERISA provides federal appeal rights. You get at least one full internal appeal, access to your claim file, and the right to external review.
Every state has an insurance department that accepts consumer complaints at no cost. Filing a complaint creates a regulatory record and can prompt the insurer to re-review your denial.
Tell us about your denial and ClaimBack will identify the right laws, regulators, and deadlines for your state — then write your appeal letter.
Check My Claim Free →Takes 3 minutes · No login required · State-specific citations
ClaimBack provides AI-assisted document drafting. We are not a law firm and do not provide legal advice. State appeal laws change regularly — always verify current deadlines and procedures with your state insurance department.