HAP CareSource denied your claim in Michigan. Here is your deadline.

You are not alone, and here is the measured version of that sentence, for Michigan rather than for HAP CareSource, because the file left this company's rows empty: insurers in Michigan denied 2,371,866 in-network claims in a single plan year, 17.4% of everything submitted, across 8 reporting insurers. How many of those came from HAP CareSource is not on the record; that it happened to a great many people in Michigan is.

What happened to appeals

What that record means for your own HAP CareSource letter, and by when. HAP CareSource recorded no separately reported denials in Michigan and no separately reported appeal outcome, so this page cannot tell you how its Michigan appeals went, the HAP CareSource rows in the plan-year 2026 release of the CMS Transparency in Coverage file, read September 5, 2026 (data.healthcare.gov). Whichever way that lands, nobody files the appeal for you, and the filing runs on a clock set by which plan you hold: an employer or Marketplace plan gives you at least 180 days from the denial notice to file the internal appeal (29 CFR 2560.503-1(h)(3)(i), carried onto individual-market coverage by 45 CFR 147.136(b)(3)(i)), while Medicare Advantage gives you 60 calendar days after you receive its notice (42 CFR 422.582(b)) and Medicaid managed care the same 60 calendar days from the date on the notice (42 CFR 438.402(c)(2)(ii)), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your HAP CareSource notice and file well inside whichever of those windows is yours. The free steps are above; the $29 kit is the same clock with the letters pre-filled for HAP CareSource in Michigan. One payment. No subscription. No cut of your claim.

HAP CareSource inside Michigan

Your denial did not happen in a national average. It happened in a state market, alongside 7 other insurers reporting into the same federal file, and these are that market's own figures.

• Across the whole of Michigan, the 8 insurers reporting in this file processed 13,652,457 in-network claims and denied 2,371,866 of them, a state denial rate of 17.4%. HAP CareSource is one of those 8.
• That puts Michigan 20th of 30 states by denial rate, 1.3 points below the 18.7% national average, before you get to what HAP CareSource did inside it.
• Michigan recorded 2,671 internal appeals against those denials: one appeal for every 888 claims the state's insurers refused.
• Independent external review was reached 189 times in the whole of Michigan, once for every 12,550 denials, against one in 14,369 nationally. How many came from HAP CareSource's denials is not on the record, that is the Michigan figure this page names as absent at the top and sources at the foot.
• Of the Michigan external reviews that were filed, 11 were overturned, 5.8%. That percentage is measured on 189 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against HAP CareSource.
• The reason Michigan's insurers record most often is service excluded from the plan, 569,264 claims, 33.4% of the state's categorized denials.
• Every Michigan figure in this section is that state's own row in the same federal file HAP CareSource's numbers above come from, CMS Transparency in Coverage Public Use File (PY2026 release, PY2024 claims), data.healthcare.gov — US Government public domain, and the full Michigan page is free at /states/michigan.

What the file does record for Michigan

The federal file carries no usable figures for HAP CareSource in Michigan, so nothing on this page can tell you how often this company denies or how many of its denials were appealed. What it can tell you is the market that denial happened in: Michigan's own row, and the 7 other insurers reporting alongside HAP CareSource there. Every number below is Michigan's, not HAP CareSource's, and it is labelled that way because an absent figure must never be filled in from a neighbor.

• 7 insurers in Michigan reported a denial rate where HAP CareSource reported none, from Meridian Health Plan of Michigan, Inc. at 27.7% down to Priority Health at 7.9%. The whole Michigan table is published free.
• The largest single source of denials in Michigan in this release was Meridian Health Plan of Michigan, Inc., with 941,541, its record is here. HAP CareSource's own share of that total is unknown, because its rows are the ones the file left empty.
• Across the whole of Michigan the 8 insurers reporting in this file processed 13,652,457 in-network claims and denied 2,371,866 of them, 17.4%. None of that total is attributable to HAP CareSource: an absent row is not a zero row, and we will not add one to make the arithmetic tidy.
• The reason Michigan's insurers recorded most often is service excluded from the plan, 569,264 claims, 33.4% of the state's categorized denials against 11.6% nationally. Whether it is the reason HAP CareSource recorded most often is not on the record; your own letter names yours.
• Behind it in Michigan: administrative reason at 340,454 claims, then member not covered at 187,144. Each of those pages says plainly whether external review reaches that category at all, which is the question a HAP CareSource letter is going to raise next.

• Michigan's insurers denied 2,371,866 in-network claims in this release, 17.4% of everything submitted, against 18.7% nationally.
• 2,671 internal appeals were filed in Michigan against those denials, one for every 888 claims refused.
• 189 of those Michigan denials reached independent external review, one for every 12,550, against one in 14,369 nationally.
• Your deadlines do not depend on any of it: 180 days from the date on your HAP CareSource notice for the internal appeal, then four months from the final internal denial for external review, the same in Michigan as in every other state.
• What does depend on Michigan is who decides your case at the end, Michigan runs its own external review process meeting the federal standards, so an insured plan there goes through the state program.

The three steps at the top of this page are the whole of what you have to do tonight. The longer version, what the internal appeal has to contain, how the independent stage works, and how to ask for expedited handling when waiting would seriously jeopardize your health, is published free here.

Questions

Everything you need for your HAP CareSource appeal in Michigan: your two deadlines, the argument that fits your denial reason, the letters, the clinician brief, and the external review request. One payment. No subscription. No cut of your claim. Opens on screen the moment you pay. 14-day refund, no questions, one email to hello@getaxionlabs.com.