Montana Health Cooperative denied your claim. Here is your deadline.
Put in the date on your Montana Health Cooperative notice and get both federal deadlines as calendar dates.
Free, for a Montana Health Cooperative denial in Montana, 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.
Montana Health Cooperative denied 91,410 of 868,851 in-network claims in Montana; every one of those denials had these same two dates on it. Across Montana as a whole the insurers in this file denied 11.6% of in-network claims, 234,099 of them, and 1,538 were appealed.
Montana Health Cooperative denied 10.5% of in-network claims in Montana, 91,410 claims out of 868,851.
Insurance got denied, what to do next?
Those 91,410 denials are 39% of every in-network denial recorded in Montana in this release, which makes Montana Health Cooperative the 2nd largest source of denials of the 2 insurers reporting there. Spread across its 15 plans in the state that is about 6,094 denials per plan. 1,163 internal appeals were filed against those 91,410 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 Montana 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: 91,410 in-network claims were denied by Montana Health Cooperative in Montana 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 2 insurers reporting a denial rate in Montana, Montana Health Cooperative is the second highest at 10.5%. The highest in the state is 12.5% and the lowest is 10.5%.
- That is 8.2 percentage points below the 18.7% national average across this dataset, and 1.1 points below the Montana average of 11.6%.
- Behind the percentage: 868,851 in-network claims were processed under 15 plans in Montana, and 91,410 of them came back denied.
- For every 10,000 claims Montana Health Cooperative denied, about 127 came back as an internal appeal. The other 9,873 stopped at the letter.
- Of the internal appeals it did receive, Montana Health Cooperative overturned 23.99%, 279 claims that started life as a no.
- 16 of those denials went on to independent external review, the stage whose decision the plan is required by law to accept. Nationally 32.8% of external reviews are overturned.
- Its most-recorded denial reason is other reasons at 92.8% of its categorized denials, against 32.3% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- Montana Health Cooperative accounts for 39% of every in-network claim denied in Montana in this file.
- By raw volume it is the 102th largest source of denials among the 158 insurer-state records in the file that report one.
- Put another way: one independent external review was filed for every 5,713 claims Montana Health Cooperative denied in Montana.
- After that, its second-most-recorded reason is member not covered, 2,295 claims, 2.9% of its categorized denials.
- Third on its own list is referral required, 1,793 claims, 2.2% of what Montana Health Cooperative categorized in Montana. Between them the top three account for 97.9% of its categorized denials.
- Where Montana Health Cooperative differs most from the national mix is other reasons: 92.8% of its categorized denials in Montana against 32.3% across the file.
- Read the other way round: 777,441 of those 868,851 in-network claims were paid, 89.5% of everything Montana Health Cooperative processed in Montana.
- Spread across the 15 plans it reports in Montana, that is about 6,094 denied claims per plan, on about 57,923 claims processed per plan.
- Its reason columns add up to 79,776 categorized rows against 91,410 denials, 87.3% 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 Montana is service excluded from the plan, 1,667 claims, 2.1% of what Montana Health Cooperative categorized there.
- Against the file as a whole, this one record is 0.1% 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 Montana Health Cooperative records most often in Montana is other reasons, 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 Montana Health Cooperative in Montana 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. Montana Health Cooperative overturned 23.99% of the internal appeals it did receive, 279 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 |
|---|---|---|
| Montana Health Cooperative | 10.5% | , |
| Montana average | 11.6% | -1.1 pts |
| National average (this dataset) | 18.7% | -8.2 pts |
Montana Health Cooperative 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 Montana Health Cooperative) | 1,163 | 23.99% |
| External review (independent) | 16 | not reported |
The gap nobody escalated
91,410 claims denied. 1,163 internal appeals filed. 16 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 Montana Health Cooperative letter, and by when. Montana Health Cooperative overturned 23.99% of the 1,163 internal appeals its Montana members filed against 91,410 denials, and 16 of those Montana denials went on to the independent stage whose decision binds the plan, Montana Health Cooperative'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 Montana Health Cooperative 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 Montana Health Cooperative in Montana. One payment. No subscription. No cut of your claim.
Montana Health Cooperative inside Montana
Your denial did not happen in a national average. It happened in a state market, alongside 2 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of Montana, the 3 insurers reporting in this file processed 2,012,780 in-network claims and denied 234,099 of them, a state denial rate of 11.6%. Montana Health Cooperative is one of those 3.
- That puts Montana 26th of 30 states by denial rate, 7.1 points below the 18.7% national average, before you get to what Montana Health Cooperative did inside it.
- Montana recorded 1,538 internal appeals against those denials: one appeal for every 152 claims the state's insurers refused. Montana Health Cooperative's own ratio is one for every 79.
- Independent external review was reached 32 times in the whole of Montana, once for every 7,316 denials, against one in 14,369 nationally. 16 of those Montana filings came from Montana Health Cooperative's denials.
- Of the Montana external reviews that were filed, 0 were overturned, 0%. That percentage is measured on 32 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against Montana Health Cooperative.
- The reason Montana's insurers record most often is other reasons, 147,784 claims, 57.9% of the state's categorized denials. Montana Health Cooperative records the same one most often, so your letter is likely to say it too.
- The other insurers a Montana reader could have bought from run from 12.5% (Blue Cross and Blue Shield of Montana) to 12.5% (Blue Cross and Blue Shield of Montana). Montana Health Cooperative at 10.5% sits below all of them.
- Put the two together and Montana Health Cooperative is responsible for 39% of every in-network claim denied in Montana in this release, from 43.2% of the claims the state's insurers processed.
- Every Montana figure in this section is that state's own row in the same federal file Montana Health Cooperative'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 Montana page is free at /states/montana.
What Montana Health Cooperative denies most
The most common denial reason recorded for Montana Health Cooperative plans in Montana is other reasons. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Other reasons | 74,021 | 92.8% | 32.3% |
| Member not covered | 2,295 | 2.9% | 6.6% |
| Referral required | 1,793 | 2.2% | 8.4% |
| Service excluded from the plan | 1,667 | 2.1% | 11.6% |
The last column is each reason's share of all categorized denials nationally, so you can see where Montana Health Cooperative's mix in Montana 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.
Put the date from your notice in and get the two calendar dates, with the days remaining.
Runs entirely in your browser, the date you type is never sent to us and never stored. Open the full calculator →
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: Montana Health Cooperative overturned 23.99% of the internal appeals it received.
Questions
Is Montana Health Cooperative's denial rate in Montana high?
10.5% 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 Montana Health Cooperative denial in Montana, and how many won?
1,163 internal appeals were filed against 91,410 denials, and 23.99% of them were overturned (279 claims). 16 went on to independent external review.
How does Montana Health Cooperative compare with other insurers in Montana?
Of the 2 insurers in Montana with a reported denial rate, Montana Health Cooperative ranks 2 highest at 10.5%. The highest in Montana is Blue Cross and Blue Shield of Montana at 12.5%; the lowest is Montana Health Cooperative at 10.5%.
What does Montana Health Cooperative deny most often in Montana?
Other reasons, 74,021 claims, 92.8% of this issuer's categorized denials, against 32.3% 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 Montana Health Cooperative denial in Montana?
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 Montana, Montana Health Cooperative 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 Montana Health Cooperative denial in Montana cost anything?
The internal appeal to Montana Health Cooperative 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 Montana can be charged more than that to file one.
Can Montana Health Cooperative ignore an external review decision in Montana?
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 16 external reviews recorded against 91,410 Montana Health Cooperative denials in Montana the striking number on this page.
Montana Health Cooperative sits at 10.5% in Montana against 18.7% nationally, and that is the whole of what this page can honestly tell you about your own claim. 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 Montana Health Cooperative appeal in Montana: 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 Montana Health Cooperative figures on this page, the 10.5% denial rate, the 91,410 denials and the 16 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).