Denied by BlueCross BlueShield of SC, Absolute Total Care, Molina, or UnitedHealthcare? SC law gives you the right to appeal. ClaimBack writes your appeal in 3 minutes.
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South Carolina provides consumer protections through the Department of Insurance with binding external review and Ryan's Law autism coverage.
The SCDOI regulates all insurers in SC. They handle consumer complaints, administer external review, and enforce insurance laws. Filing a complaint is free.
Under SC Code 38-71-1910, SC 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.
SC mandates autism coverage under Ryan's Law (SC Code 38-71-280(H)) including ABA therapy up to age 16 with $50,000 annual cap. Federal MHPAEA applies. ClaimBack cites these laws in your appeal.
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In South Carolina, file an internal appeal with your insurer within 180 days. If denied, request external review through the SC Department of Insurance under SC Code 38-71-1910. An IRO evaluates your case and the decision is binding.
The South Carolina Department of Insurance (SCDOI) regulates all insurance companies in the state. They handle consumer complaints, administer external review, and enforce insurance laws. Filing a complaint is free.
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.
South Carolina follows the federal MHPAEA. SC Code 38-71-280 requires certain group plans to cover mental health conditions. SC mandates autism coverage under Ryan's Law (SC Code 38-71-280(H)) including ABA therapy for individuals up to age 16 with a $50,000 annual cap.
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