Enter your denial date, country, and plan type to find out exactly when your appeal deadline is — and how much time you have left.
Missing your appeal deadline can permanently forfeit your right to challenge a denial. Most people don't realize how short these windows are.
Deadlines vary by country and plan type. In the US, ACA marketplace and ERISA plans give you 180 days from the denial date. Medicare Advantage gives you 60 days. In the UK, you have 6 months (180 days) from the insurer's final response to contact the Financial Ombudsman Service. In Singapore, you have 90 days to approach FIDReC. Use the calculator above to find your specific deadline.
Missing your appeal deadline can permanently forfeit your right to appeal the denial. However, some plans and regulators allow exceptions for extenuating circumstances such as medical incapacity, hospitalization, or insurer error. If you have missed your deadline, contact the relevant regulatory body (e.g., your state insurance department in the US, or FOS in the UK) immediately to explain the circumstances.
Yes. All major health insurance regulatory frameworks provide for expedited appeals when your health is at serious risk. In the US, expedited appeals must be decided within 72 hours for internal appeals and 72 hours for external review. In Singapore, urgent FIDReC cases are processed within 7 days. Request expedited processing in writing and cite the medical urgency clearly in your appeal letter.
Every day counts. Generate your appeal letter now while you still have time.
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