Matthew Thornton denied your claim in New Hampshire. Here is your deadline.
Put in the date on your Matthew Thornton Hlth Plan(Anthem BCBS) notice and get both federal deadlines as calendar dates.
Free, for a Matthew Thornton Hlth Plan(Anthem BCBS) denial in New Hampshire, and it runs entirely in your browser. The date, the plan type and the state you pick are never sent to us and never stored.
Matthew Thornton Hlth Plan(Anthem BCBS) denied 153,654 of 2,199,992 in-network claims in New Hampshire; every one of those denials had these same two dates on it. Across New Hampshire as a whole the insurers in this file denied 10.4% of in-network claims, 321,334 of them, and 511 were appealed.
Matthew Thornton Hlth Plan(Anthem BCBS) denied 7% of in-network claims in New Hampshire, 153,654 claims out of 2,199,992.
Insurance got denied, what to do next?
Those 153,654 denials are 47.8% of every in-network denial recorded in New Hampshire in this release, which makes Matthew Thornton Hlth Plan(Anthem BCBS) the 1st largest source of denials of the 3 insurers reporting there. Spread across its 12 plans in the state that is about 12,805 denials per plan. 396 internal appeals were filed against those 153,654 denials. Every one of those denials carried the same two dates the tool at the top of this page works out.
Two dates matter more than anything else on this page, and they run the same in New Hampshire as everywhere else. You have 180 days from the date on your denial notice to file the internal appeal, and then 4 months from the final internal denial to ask for an independent external review. If waiting would seriously jeopardize your health you can ask for both to be expedited, decided in about 72 hours. Both timeframes are federal, not your insurer's choice, 29 CFR 2560.503-1 (PDF) and 45 CFR 147.136 (PDF), in plain English at HealthCare.gov, and your own denial letter states the ones that govern your plan. The PDFs are the same sections on govinfo.gov, which serves them without a challenge page, so an automated reader can check these two dates as easily as you can.
You are not alone, and here is the measured version of that sentence: 153,654 in-network claims were denied by Matthew Thornton Hlth Plan(Anthem BCBS) in New Hampshire in a single plan year. A denial rate is a fact about an insurer's book of business. It is not a judgment about you, and it is not the last word on your claim.
- Of the 3 insurers reporting a denial rate in New Hampshire, Matthew Thornton Hlth Plan(Anthem BCBS) is the third highest at 7%. The highest in the state is 28.8% and the lowest is 7%.
- That is 11.7 percentage points below the 18.7% national average across this dataset, and 3.4 points below the New Hampshire average of 10.4%.
- Behind the percentage: 2,199,992 in-network claims were processed under 12 plans in New Hampshire, and 153,654 of them came back denied.
- For every 10,000 claims Matthew Thornton Hlth Plan(Anthem BCBS) denied, about 26 came back as an internal appeal. The other 9,974 stopped at the letter.
- Of the internal appeals it did receive, Matthew Thornton Hlth Plan(Anthem BCBS) overturned 41.92%, 166 claims that started life as a no.
- Not one of those denials reached independent external review, the stage whose decision the plan is required by law to accept, and where nationally 32.8% are overturned.
- Its most-recorded denial reason is service excluded from the plan at 35.6% of its categorized denials, against 11.6% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- Matthew Thornton Hlth Plan(Anthem BCBS) accounts for 47.8% of every in-network claim denied in New Hampshire in this file.
- By raw volume it is the 80th largest source of denials among the 158 insurer-state records in the file that report one.
- After that, its second-most-recorded reason is referral required, 44,933 claims, 32.8% of its categorized denials.
- Third on its own list is other reasons, 38,281 claims, 28% of what Matthew Thornton Hlth Plan(Anthem BCBS) categorized in New Hampshire. Between them the top three account for 96.4% of its categorized denials.
- Where Matthew Thornton Hlth Plan(Anthem BCBS) differs most from the national mix is referral required: 32.8% of its categorized denials in New Hampshire against 8.4% across the file.
- Read the other way round: 2,046,338 of those 2,199,992 in-network claims were paid, 93% of everything Matthew Thornton Hlth Plan(Anthem BCBS) processed in New Hampshire.
- Spread across the 12 plans it reports in New Hampshire, that is about 12,805 denied claims per plan, on about 183,333 claims processed per plan.
- Its reason columns add up to 136,931 categorized rows against 153,654 denials, 89.1% of them, and every reason share on this page is a share of that first figure rather than of the second.
- Its smallest recorded category in New Hampshire is not medically necessary, 183 claims, 0.1% of what Matthew Thornton Hlth Plan(Anthem BCBS) categorized there.
- Against the file as a whole, this one record is 0.2% of the 84,502,749 in-network claim denials reported by every issuer in it.
- Find the reason code on your denial letter. The reason Matthew Thornton Hlth Plan(Anthem BCBS) records most often in New Hampshire is service excluded from the plan, but yours may be one of the other 8, copy the exact wording and code off your own letter tonight, because that sentence is what your appeal has to answer.
- Ask Matthew Thornton Hlth Plan(Anthem BCBS) in New Hampshire for the clinical criteria they judged you against. Under 29 CFR 2560.503-1 they have to hand you the claim file and the policy they applied, free, on request, and you cannot argue with a checklist you have never read.
- Put both deadlines on your calendar before you go to bed. 180 days from the date on the letter for the internal appeal, 4 months from the final internal denial for external review. The free calculator on this page turns your date into the two calendar dates in about ten seconds. Matthew Thornton Hlth Plan(Anthem BCBS) overturned 41.92% of the internal appeals it did receive, 166 claims, so the stage you are about to start is not decorative.
None of those three steps costs anything. Anyone charging you to do them is selling you something you can do yourself in twenty minutes.
How that compares
| Denial rate | Rate | Difference |
|---|---|---|
| Matthew Thornton Hlth Plan(Anthem BCBS) | 7% | , |
| New Hampshire average | 10.4% | -3.4 pts |
| National average (this dataset) | 18.7% | -11.7 pts |
Matthew Thornton Hlth Plan(Anthem BCBS) sits at or below the national average across this dataset. A denial rate is a property of the insurer's book of business, coding practice, plan design, the population it covers, not evidence about the merits of any one claim, including yours.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to Matthew Thornton Hlth Plan(Anthem BCBS)) | 396 | 41.92% |
| External review (independent) | 0 | 0% |
The gap nobody escalated
153,654 claims denied. 396 internal appeals filed. None reached independent external review. Nationally 32.8% of external reviews are overturned and the decision binds the plan.
That is arithmetic from the reported figures, not a prediction: nobody can say what those specific denials would have done at review, because they never got there. What the numbers do establish is that the binding stage was almost entirely unused here.
What that record means for your own Matthew Thornton Hlth Plan(Anthem BCBS) letter, and by when. Matthew Thornton Hlth Plan(Anthem BCBS) overturned 41.92% of the 396 internal appeals its New Hampshire members filed against 153,654 denials, and not one of those New Hampshire denials went on to the independent stage whose decision binds the plan, Matthew Thornton Hlth Plan(Anthem BCBS)'s own 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 Matthew Thornton Hlth Plan(Anthem BCBS) 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 Matthew Thornton Hlth Plan(Anthem BCBS) in New Hampshire. One payment. No subscription. No cut of your claim.
Matthew Thornton Hlth Plan(Anthem BCBS) inside New Hampshire
Your denial did not happen in a national average. It happened in a state market, alongside 3 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of New Hampshire, the 4 insurers reporting in this file processed 3,077,141 in-network claims and denied 321,334 of them, a state denial rate of 10.4%. Matthew Thornton Hlth Plan(Anthem BCBS) is one of those 4.
- That puts New Hampshire 28th of 30 states by denial rate, 8.3 points below the 18.7% national average, before you get to what Matthew Thornton Hlth Plan(Anthem BCBS) did inside it.
- New Hampshire recorded 511 internal appeals against those denials: one appeal for every 629 claims the state's insurers refused. Matthew Thornton Hlth Plan(Anthem BCBS)'s own ratio is one for every 388.
- Not one denial in New Hampshire reached independent external review in the reported year, not Matthew Thornton Hlth Plan(Anthem BCBS)'s and not any other insurer's in the state. That is the stage whose decision the plan is required by law to accept.
- The reason New Hampshire's insurers record most often is service excluded from the plan, 70,496 claims, 25% of the state's categorized denials. Matthew Thornton Hlth Plan(Anthem BCBS) records the same one most often, so your letter is likely to say it too.
- The other insurers a New Hampshire reader could have bought from run from 28.8% (Harvard Pilgrim Health Care of NE) to 17.6% (Celtic Insurance Company). Matthew Thornton Hlth Plan(Anthem BCBS) at 7% sits below all of them.
- Put the two together and Matthew Thornton Hlth Plan(Anthem BCBS) is responsible for 47.8% of every in-network claim denied in New Hampshire in this release, from 71.5% of the claims the state's insurers processed.
- Every New Hampshire figure in this section is that state's own row in the same federal file Matthew Thornton Hlth Plan(Anthem BCBS)'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 New Hampshire page is free at /states/new-hampshire.
What Matthew Thornton Hlth Plan(Anthem BCBS) denies most
The most common denial reason recorded for Matthew Thornton Hlth Plan(Anthem BCBS) plans in New Hampshire is service excluded from the plan. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Service excluded from the plan | 48,730 | 35.6% | 11.6% |
| Referral required | 44,933 | 32.8% | 8.4% |
| Other reasons | 38,281 | 28% | 32.3% |
| Provider out of network | 2,217 | 1.6% | 9.8% |
| Benefit limit reached | 2,189 | 1.6% | 4.2% |
| Administrative reason | 398 | 0.3% | 22.5% |
| Not medically necessary | 183 | 0.1% | 4.6% |
The last column is each reason's share of all categorized denials nationally, so you can see where Matthew Thornton Hlth Plan(Anthem BCBS)'s mix in New Hampshire differs from everyone else's. This is denial mix, not overturn rate by reason, the federal file does not report appeal outcomes broken down by denial reason, and we do not imply otherwise.
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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. For what it is worth on this page specifically: Matthew Thornton Hlth Plan(Anthem BCBS) overturned 41.92% of the internal appeals it received.
Who appeals what at Anthem (Elevance Health), the insurer's own routing table
Anthem (Elevance Health) publishes a table of which denial scenarios are appealed by you, the member ("customer appeal") and which only your health care provider can appeal. Almost no patient ever sees it, and appealing a denial that only your provider has standing to appeal burns time inside a fixed window. Quoted from Anthem (Elevance Health)'s published policy (a page written for health care providers (Virginia Medicaid plan)), checked 2026-08-25. It is brand-level and applies to Matthew Thornton Hlth Plan(Anthem BCBS) in New Hampshire the same as to every other Anthem (Elevance Health) entity in the file.
| Denial scenario (Anthem (Elevance Health)'s wording) | Who appeals it |
|---|---|
| Claim payment dispute (finalized claim, provider disagrees) | Your provider |
| Pre-service denial of a service (no claim yet) | Your provider |
Operational facts from the same policy
- Reconsideration window (VA example): 365 calendar days from the EOP
- Appeal window (VA example): 15 months of the date of service or 180 days from the reconsideration decision
- Resolution clocks (VA example): reconsideration ~30 days (+30 extension), appeal ~60 days (+60 extension)
- Submission routes (VA example): Availity Payment Appeal Tool, or by mail
- One reconsideration per claim: single shot at step one
- Member appeal window (VA example): 60 days from the denial , Member-side second source for the same Virginia HealthKeepers Plus plan as the provider manual. Medicaid member windows are short — 60 days here vs the 180-day commercial norm. No conflict with the provider-side 365-day reconsideration window: different audience, different clock.
- Member submission routes (VA example): portal/Sydney Health app, phone 800-901-0020 (TTY 711), fax 855-832-7294, or mail
- Representative needs written consent: friend, family member, doctor, or attorney — with written consent
Sources: Anthem (Elevance Health), "Provider manual excerpt — claim payment disputes (Anthem HealthKeepers Plus, Virginia)", quoted, not paraphrased; audience: health care providers (Virginia Medicaid plan); checked 2026-08-25. Anthem (Elevance Health), "Grievances and appeals — member page (Anthem HealthKeepers Plus, Virginia Medicaid; undated page)", quoted, not paraphrased; audience: members (Virginia Medicaid plan); checked 2026-08-26. Brand-level policy, applied here because Matthew Thornton Hlth Plan(Anthem BCBS) is an Anthem (Elevance Health) entity. Your own denial letter and plan documents govern your specific case.
Questions
Is Matthew Thornton Hlth Plan(Anthem BCBS)'s denial rate in New Hampshire high?
7% against a national average of 18.7% across the plans in this dataset. It is at or below average. A denial rate describes the insurer, not the merits of your claim.
How many people appealed a Matthew Thornton Hlth Plan(Anthem BCBS) denial in New Hampshire, and how many won?
396 internal appeals were filed against 153,654 denials, and 41.92% of them were overturned (166 claims). Not one went on to independent external review, the stage whose decision is binding on the plan.
How does Matthew Thornton Hlth Plan(Anthem BCBS) compare with other insurers in New Hampshire?
Of the 3 insurers in New Hampshire with a reported denial rate, Matthew Thornton Hlth Plan(Anthem BCBS) ranks 3 highest at 7%. The highest in New Hampshire is Harvard Pilgrim Health Care of NE at 28.8%; the lowest is Matthew Thornton Hlth Plan(Anthem BCBS) at 7%.
What does Matthew Thornton Hlth Plan(Anthem BCBS) deny most often in New Hampshire?
Service excluded from the plan, 48,730 claims, 35.6% of this issuer's categorized denials, against 11.6% nationally. This is the denial-reason mix; the federal file does not report overturn rates by reason.
How long do I have to appeal a Matthew Thornton Hlth Plan(Anthem BCBS) denial in New Hampshire?
Generally 180 days from the date on the denial notice to file the internal appeal, then generally four months from the final internal denial to request independent external review. Expedited review, decided in about 72 hours, is available where delay would seriously jeopardize your health. Those timeframes are federal, so they are identical for every insurer reporting in New Hampshire, Matthew Thornton Hlth Plan(Anthem BCBS) included, what varies by state is who runs the independent review at the end. Your own denial letter states the deadlines that govern your plan; that letter is the authority.
Does appealing a Matthew Thornton Hlth Plan(Anthem BCBS) denial in New Hampshire cost anything?
The internal appeal to Matthew Thornton Hlth Plan(Anthem BCBS) 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 per review. Nobody in New Hampshire can be charged more than that to file one.
Can Matthew Thornton Hlth Plan(Anthem BCBS) ignore an external review decision in New Hampshire?
No, and that is the whole point of the stage. External review decisions are binding on the plan by law, which is what makes the zero external reviews recorded against 153,654 Matthew Thornton Hlth Plan(Anthem BCBS) denials in New Hampshire the striking number on this page.
The line on this page I would read twice is the one that says not one of Matthew Thornton Hlth Plan(Anthem BCBS)'s 153,654 denials in New Hampshire reached independent review. I am not going to tell you that you will win. This page prints the insurer's own reported numbers whichever way they fall. If what it says does not match the letter in your hand, write to me and I will correct the page.
, Andrew at Axion Labs · hello@getaxionlabs.comEverything you need for your Matthew Thornton Hlth Plan(Anthem BCBS) appeal in New Hampshire: 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.
The Matthew Thornton Hlth Plan(Anthem BCBS) figures on this page, the 7% denial rate, the 153,654 denials and the 0 external reviews, are this issuer’s own reported rows in that file.
Counts: CMS Transparency in Coverage Public Use File (PY2026 release, PY2024 claims), data.healthcare.gov — US Government public domain. Rights and timeframes: 29 CFR 2560.503-1 (180 days, and your free right to the claim file) and 45 CFR 147.136 (4 months, and what qualifies), explained at HealthCare.gov. Expedited review is decided in about 72 hours under both sections.
Reading either regulation from a script rather than a browser: eCFR answers automated fetches with a challenge page, so the same two sections are mirrored as government PDFs at govinfo.gov (29 CFR 2560.503-1) and govinfo.gov (45 CFR 147.136).