Medica Health Plans claim denials in North Dakota: the federal figures
Medica Health Plans denied 15.8% of in-network claims in North Dakota — 8,656 claims out of 54,794. Here is what happened to the people who appealed.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to Medica Health Plans) | 17 | — |
| External review (independent) | 0 | — |
What Medica Health Plans denies most
The most common denial reason recorded for Medica Health Plans plans in North Dakota is other reasons. How that denial is beaten →
| Denial reason | Claims | Share |
|---|---|---|
| Other reasons | 311 | 37.1% |
| Administrative reason | 238 | 28.4% |
| Member not covered | 149 | 17.8% |
| Service excluded from the plan | 68 | 8.1% |
| Referral required | 51 | 6.1% |
| Provider out of network | 22 | 2.6% |
What to do if Medica Health Plans 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.
- If they say no again, go external. An independent organization reviews it — not Medica Health Plans. 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 Medica Health Plans 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 Medica Health Plans's denial rate high?
15.8% against a national average of 16% across the plans in this dataset. It is at or below 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 Medica Health Plans ignore the external decision?
No. External review decisions are binding on the plan.