CareSource Indiana, Inc. claim denials in Indiana: the federal figures
CareSource Indiana, Inc. denied 18.7% of in-network claims in Indiana — 645,757 claims out of 3,454,952. Here is what happened to the people who appealed.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to CareSource Indiana, Inc.) | 113 | 16.8% |
| External review (independent) | 32 | 37.5% |
What CareSource Indiana, Inc. denies most
The most common denial reason recorded for CareSource Indiana, Inc. plans in Indiana is other reasons. How that denial is beaten →
| Denial reason | Claims | Share |
|---|---|---|
| Other reasons | 395,316 | 49.2% |
| Service excluded from the plan | 136,777 | 17% |
| Provider out of network | 107,944 | 13.4% |
| Referral required | 107,917 | 13.4% |
| Member not covered | 32,224 | 4% |
| Benefit limit reached | 22,310 | 2.8% |
| Administrative reason | 1,569 | 0.2% |
What to do if CareSource Indiana, Inc. denied your claim
- Get the reason in writing. The denial notice must state the specific reason and the plan provision behind it. If it does not, request it — you are entitled to it free of charge.
- File the internal appeal. Generally within 180 days of the denial notice. CareSource Indiana, Inc. overturned 16.8% of the internal appeals it received.
- If they say no again, go external. An independent organization reviews it — not CareSource Indiana, Inc.. Generally you have 4 months from the final internal denial. This is the step nearly everyone skips.
- Ask for expedited review if waiting would seriously jeopardise your health. That timeline is days, not months.
Everything you need for your CareSource Indiana, Inc. appeal: your two deadlines, the argument that fits your denial reason, an evidence checklist, and the external review request. Opens on screen the moment you pay.
Questions
Is CareSource Indiana, Inc.'s denial rate high?
18.7% against a national average of 16% across the plans in this dataset. It is above average. A denial rate describes the insurer, not the merits of your claim.
Does appealing cost anything?
The internal appeal is free. External review is free under the HHS-administered federal process; where an issuer uses a contracted independent review organization or a state process, any fee is capped at $25.
Can CareSource Indiana, Inc. ignore the external decision?
No. External review decisions are binding on the plan.