Every state has its own insurance regulator, appeal deadlines, and external review process. Find your state below for specific guidance on fighting your denied claim.
Detailed appeal guides with state-specific laws, regulators, and deadlines.
Regulator: DMHC / CDI
View full guide →Regulator: Office of Insurance Regulation
View full guide →Regulator: Dept of Insurance
View full guide →Regulator: DFS
View full guide →Regulator: Insurance Dept
View full guide →Regulator: TDI
View full guide →Find your state regulator and appeal resources. States with a guide link have detailed appeal walkthroughs.
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.