Denied by SelectHealth, Regence Blue Cross Blue Shield, UnitedHealthcare, or Molina? Utah law gives you the right to appeal. ClaimBack writes your appeal in 3 minutes.
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Utah provides consumer protections through the Insurance Department with binding external review and coverage mandates.
The UID regulates all insurers in Utah. They handle consumer complaints, administer external review, and enforce insurance laws. Filing a complaint is free and can be done online.
Under Utah Code 31A-22-629, Utah provides independent external review. After exhausting internal appeals, an IRO evaluates your case and issues a binding decision.
Internal appeals: 180 days to file, 30 days (pre-service), 60 days (post-service), 72 hours (urgent). External review: 4 months after final denial, 45 days standard, 72 hours expedited.
Utah mandates mental health coverage under Code 31A-22-625 and autism coverage under Code 31A-22-642 including ABA therapy up to age 10. ClaimBack cites these Utah-specific laws in your appeal.
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In Utah, file an internal appeal with your insurer within 180 days. If denied, request external review through the Utah Insurance Department under Utah Code 31A-22-629. An IRO evaluates your case and the decision is binding on your insurer.
The Utah Insurance Department (UID) regulates all insurance companies in Utah. They handle consumer complaints, administer external review, and enforce insurance laws. Filing a complaint is free and can be done online.
Internal appeals: 180 days to file, 30 days for response (pre-service), 60 days (post-service), 72 hours (urgent). External review: 4 months after final denial, 45 days standard, 72 hours expedited.
Utah follows the federal MHPAEA. Utah Code 31A-22-625 requires group plans to cover mental health conditions. Utah mandates autism coverage under Utah Code 31A-22-642, including ABA therapy for individuals up to age 10. ClaimBack cites these laws in your appeal.
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