Denied by BlueCross BlueShield of Tennessee, UnitedHealthcare, Cigna, Humana, or Ambetter? TN law gives you the right to appeal. ClaimBack writes your appeal in 3 minutes.
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Tennessee provides consumer protections through the TDCI with binding external review and coverage mandates.
TDCI regulates all insurers in Tennessee. The Insurance Division handles complaints, administers external review, and enforces insurance laws. Filing a complaint is free.
Under TCA 56-61-101, TN 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.
TN mandates mental health coverage under TCA 56-7-2601 and autism coverage under TCA 56-7-2360 including ABA therapy up to age 12. ClaimBack cites these Tennessee-specific laws in your appeal.
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In Tennessee, file an internal appeal with your insurer within 180 days. If denied, request external review through the TN Department of Commerce & Insurance under TCA 56-61-101. An IRO evaluates your case and the decision is binding on your insurer.
The TN Department of Commerce & Insurance (TDCI) regulates all insurance companies in Tennessee. They handle consumer complaints, administer external review, and enforce insurance laws. The Insurance Division within TDCI provides free consumer assistance.
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.
Tennessee follows the federal MHPAEA. TCA 56-7-2601 through 2608 requires group health plans to cover mental illness and substance abuse treatment. Tennessee mandates autism coverage under TCA 56-7-2360, including ABA therapy for individuals up to age 12. ClaimBack cites these laws in your appeal.
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