Oscar Buckeye State denied your claim in Ohio. Here is your deadline.
Put in the date on your Oscar Buckeye State Insurance Corp. notice and get both federal deadlines as calendar dates.
Free, for an Oscar Buckeye State Insurance Corp. denial in Ohio, 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.
Oscar Buckeye State Insurance Corp. denied 266,043 of 1,418,723 in-network claims in Ohio; every one of those denials had these same two dates on it. Across Ohio as a whole the insurers in this file denied 12.7% of in-network claims, 1,509,307 of them, and 20,482 were appealed.
Or let the $29 Appeal Kit date each step and write the claim-file and external-review requests.
Oscar Buckeye State Insurance Corp. denied 18.8% of in-network claims in Ohio, 266,043 claims out of 1,418,723.
Further down this page, after the free steps: the paid next step.
Insurance got denied, what to do next?
Those 266,043 denials are 17.6% of every in-network denial recorded in Ohio in this release, which makes Oscar Buckeye State Insurance Corp. the 3rd largest source of denials of the 7 insurers reporting there. Spread across its 20 plans in the state that is about 13,302 denials per plan. 14,234 internal appeals were filed against those 266,043 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 Ohio 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: 266,043 in-network claims were denied by Oscar Buckeye State Insurance Corp. in Ohio 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 7 insurers reporting a denial rate in Ohio, Oscar Buckeye State Insurance Corp. is the third highest at 18.8%. The highest in the state is 24.5% and the lowest is 7.9%.
- That is 3.1 percentage points above the 15.7% national average across this dataset, and 6.1 points above the Ohio average of 12.7%.
- Behind the percentage: 1,418,723 in-network claims were processed under 20 plans in Ohio, and 266,043 of them came back denied.
- For every 10,000 claims Oscar Buckeye State Insurance Corp. denied, about 535 came back as an internal appeal. The other 9,465 stopped at the letter.
- Of the internal appeals it did receive, Oscar Buckeye State Insurance Corp. overturned 16.66%, 2,372 claims that started life as a no.
- 103 of those denials went on to independent external review, the stage whose decision the plan is required by law to accept. Nationally 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) of external reviews are overturned.
- Its most-recorded denial reason is administrative reason at 30.7% of its categorized denials, against 17.2% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- Oscar Buckeye State Insurance Corp. accounts for 17.6% of every in-network claim denied in Ohio in this file.
- By raw volume it is the 56th largest source of denials among the 135 insurer-state records in the file that report one.
- Put another way: one independent external review was filed for every 2,583 claims Oscar Buckeye State Insurance Corp. denied in Ohio.
- After that, its second-most-recorded reason is benefit limit reached, 113,711 claims, 21.9% of its categorized denials.
- Third on its own list is provider out of network, 101,775 claims, 19.6% of what Oscar Buckeye State Insurance Corp. categorized in Ohio. Between them the top three account for 72.2% of its categorized denials.
- Where Oscar Buckeye State Insurance Corp. differs most from the national mix is benefit limit reached: 21.9% of its categorized denials in Ohio against 4.9% across the file.
- Read the other way round: 1,152,680 of those 1,418,723 in-network claims were paid, 81.2% of everything Oscar Buckeye State Insurance Corp. processed in Ohio.
- Spread across the 20 plans it reports in Ohio, that is about 13,302 denied claims per plan, on about 70,936 claims processed per plan.
- Its reason columns add up to 519,505 categorized rows against 266,043 denials, 195.3% 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 Ohio is not medically necessary, 59 claims, 0% of what Oscar Buckeye State Insurance Corp. categorized there.
- Against the file as a whole, this one record is 0.3% of the 83,907,852 in-network claim denials reported by every issuer in it.
- Find the reason code on your denial letter. The reason Oscar Buckeye State Insurance Corp. records most often in Ohio is administrative reason, 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 Oscar Buckeye State Insurance Corp. in Ohio 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. Oscar Buckeye State Insurance Corp. overturned 16.66% of the internal appeals it did receive, 2,372 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 |
|---|---|---|
| Oscar Buckeye State Insurance Corp. | 18.8% | , |
| Ohio average | 12.7% | +6.1 pts |
| National average (this dataset) | 15.7% | +3.1 pts |
Oscar Buckeye State Insurance Corp. denies 3.1 percentage points more of its in-network claims than 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 Oscar Buckeye State Insurance Corp.) | 14,234 | 16.66% |
| External review (independent) | 103 | 30.1% |
The gap nobody escalated
266,043 claims denied. 14,234 internal appeals filed. 103 reached independent external review. Nationally 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) 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 Oscar Buckeye State Insurance Corp. letter, and by when. Oscar Buckeye State Insurance Corp. overturned 16.66% of the 14,234 internal appeals its Ohio members filed against 266,043 denials, and 103 of those Ohio denials went on to the independent stage whose decision binds the plan, Oscar Buckeye State Insurance Corp.'s own rows in the plan-year 2027 release of the CMS Transparency in Coverage file, read November 4, 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 65 calendar days from the date of its notice (CMS, 42 CFR 422.582(b)) and Medicaid managed care 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 Oscar Buckeye State Insurance Corp. 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 Oscar Buckeye State Insurance Corp. in Ohio. One payment. No subscription. No cut of your claim.
Oscar Buckeye State Insurance Corp. inside Ohio
Your denial did not happen in a national average. It happened in a state market, alongside 8 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of Ohio, the 9 insurers reporting in this file processed 11,919,238 in-network claims and denied 1,509,307 of them, a state denial rate of 12.7%. Oscar Buckeye State Insurance Corp. is one of those 9.
- That puts Ohio 23th of 29 states by denial rate, 3 points below the 15.7% national average, before you get to what Oscar Buckeye State Insurance Corp. did inside it.
- Ohio recorded 20,482 internal appeals against those denials: one appeal for every 74 claims the state's insurers refused. Oscar Buckeye State Insurance Corp.'s own ratio is one for every 19.
- Independent external review was reached 114 times in the whole of Ohio, once for every 13,240 denials, against one in 17,061 nationally. 103 of those Ohio filings came from Oscar Buckeye State Insurance Corp.'s denials.
- Of the Ohio external reviews that were filed, 31 were overturned, 27.2%. That percentage is measured on 114 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against Oscar Buckeye State Insurance Corp..
- The reason Ohio's insurers record most often is administrative reason, 423,239 claims, 20.1% of the state's categorized denials. Oscar Buckeye State Insurance Corp. records the same one most often, so your letter is likely to say it too.
- The other insurers an Ohio reader could have bought from run from 24.5% (Summa Insurance Company, Inc.) to 7.9% (Community Insurance Company). Oscar Buckeye State Insurance Corp. at 18.8% sits between the two.
- Put the two together and Oscar Buckeye State Insurance Corp. is responsible for 17.6% of every in-network claim denied in Ohio in this release, from 11.9% of the claims the state's insurers processed.
- Every Ohio figure in this section is that state's own row in the same federal file Oscar Buckeye State Insurance Corp.'s numbers above come from, CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain, and the full Ohio page is free at /states/ohio.
What Oscar Buckeye State Insurance Corp. denies most
The most common denial reason recorded for Oscar Buckeye State Insurance Corp. plans in Ohio is administrative reason. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Administrative reason | 159,711 | 30.7% | 17.2% |
| Benefit limit reached | 113,711 | 21.9% | 4.9% |
| Provider out of network | 101,775 | 19.6% | 9% |
| Referral required | 63,448 | 12.2% | 9.6% |
| Other reasons | 57,673 | 11.1% | 32.4% |
| Service excluded from the plan | 18,980 | 3.7% | 13.4% |
| Member not covered | 3,214 | 0.6% | 7.9% |
| Experimental or investigational | 934 | 0.2% | 0.1% |
| Not medically necessary | 59 | 0% | 5.5% |
The last column is each reason's share of all categorized denials nationally, so you can see where Oscar Buckeye State Insurance Corp.'s mix in Ohio 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 →
Or let the $29 Appeal Kit date each step and write the claim-file and external-review requests.
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: Oscar Buckeye State Insurance Corp. overturned 16.66% of the internal appeals it received.
Questions
Is Oscar Buckeye State Insurance Corp.'s denial rate in Ohio high?
18.8% against a national average of 15.7% across the plans in this dataset. It is above average. A denial rate describes the insurer, not the merits of your claim.
How many people appealed an Oscar Buckeye State Insurance Corp. denial in Ohio, and how many won?
14,234 internal appeals were filed against 266,043 denials, and 16.66% of them were overturned (2,372 claims). 103 went on to independent external review.
How does Oscar Buckeye State Insurance Corp. compare with other insurers in Ohio?
Of the 7 insurers in Ohio with a reported denial rate, Oscar Buckeye State Insurance Corp. ranks 3 highest at 18.8%. The highest in Ohio is Summa Insurance Company, Inc. at 24.5%; the lowest is Community Insurance Company at 7.9%.
What does Oscar Buckeye State Insurance Corp. deny most often in Ohio?
Administrative reason, 159,711 claims, 30.7% of this issuer's categorized denials, against 17.2% nationally. This is the denial-reason mix; the federal file does not report overturn rates by reason.
How long do I have to appeal an Oscar Buckeye State Insurance Corp. denial in Ohio?
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 Ohio, Oscar Buckeye State Insurance Corp. 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 an Oscar Buckeye State Insurance Corp. denial in Ohio cost anything?
The internal appeal to Oscar Buckeye State Insurance Corp. 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 Ohio can be charged more than that to file one.
Can Oscar Buckeye State Insurance Corp. ignore an external review decision in Ohio?
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 103 external reviews recorded against 266,043 Oscar Buckeye State Insurance Corp. denials in Ohio the striking number on this page.
Oscar Buckeye State Insurance Corp. sits at 18.8% in Ohio against 15.7% nationally, and that is the whole of what this page can honestly tell you about your own claim. We are 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 us and we will correct the page.
Axion Labs · hello@getaxionlabs.comEverything you need for your Oscar Buckeye State Insurance Corp. appeal in Ohio: your two deadlines, the argument that fits your denial reason, the letters, a brief for your doctor on what the reviewer checks, 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 Oscar Buckeye State Insurance Corp. figures on this page, the 18.8% denial rate, the 266,043 denials and the 103 external reviews, are this issuer’s own reported rows in that file.
Counts: CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 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).