Appeal deadline calculator
Enter the date on your denial letter. You will get the date your internal appeal is due and, if that is refused, the date your independent external review is due.
These are the standard federal timeframes for non-grandfathered plans. Your plan documents and denial letter state the deadlines that actually apply to you, and some plans and states allow longer. Always follow the dates on your letter. Not legal advice.
Why the second date matters most
The internal appeal is decided by the insurer that already said no. The external review is decided by an independent organization, is free to you, and binds the plan. Nationally only 1 in 24,654 denials ever gets there — and 44% of those succeed. How both stages work →