PacificSource denied your claim in Montana. Here is your deadline.
Put in the date on your PacificSource Health Plans notice and get both federal deadlines as calendar dates.
Free, for a PacificSource Health Plans 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.
PacificSource Health Plans reported no usable denial count for Montana, so these dates are the part of this page that is certain. 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.
PacificSource Health Plans operates 8 plans in Montana, and the file records 41 in-network claims received for it with no usable denial count.
Insurance got denied, what to do next?
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, for Montana rather than for PacificSource Health Plans, because the file left this company's rows empty: insurers in Montana denied 234,099 in-network claims in a single plan year, 11.6% of everything submitted, across 3 reporting insurers. How many of those came from PacificSource Health Plans is not on the record; that it happened to a great many people in Montana is.
- In Montana, PacificSource Health Plans's rate was not reported at all, and the same company files in 1 other state in this file, where the rate is not the same in any of them: 17.4% in Oregon. Which state the plan was bought in moves the odds more than the brand on the card does.
- Find the reason code on your denial letter. The federal file records no denial-reason breakdown for PacificSource Health Plans in Montana, so this page cannot tell you which of the 9 categories yours will be, your letter can, and it has to. Copy the exact wording and the code off it tonight: that sentence is what your appeal has to answer.
- Ask PacificSource Health Plans 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. Nationally only 1 in 14,369 denials ever reaches the second stage, and none of the PacificSource Health Plans denials in Montana are in that count either way, the file records no figure for them. The date on your letter is the part that is certain.
None of those three steps costs anything. Anyone charging you to do them is selling you something you can do yourself in twenty minutes.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to PacificSource Health Plans) | 39 | not reported |
| External review (independent) | not reported | not reported |
What that record means for your own PacificSource Health Plans letter, and by when. PacificSource Health Plans recorded no separately reported denials in Montana and no separately reported appeal outcome, so this page cannot tell you how its Montana appeals went, the PacificSource Health Plans 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 PacificSource Health Plans 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 PacificSource Health Plans in Montana. One payment. No subscription. No cut of your claim.
PacificSource Health Plans 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%. PacificSource Health Plans 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 PacificSource Health Plans did inside it.
- Montana recorded 1,538 internal appeals against those denials: one appeal for every 152 claims the state's insurers refused.
- Independent external review was reached 32 times in the whole of Montana, once for every 7,316 denials, against one in 14,369 nationally. How many came from PacificSource Health Plans's denials is not on the record, that is the Montana figure this page names as absent at the top and sources at the foot.
- 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 PacificSource Health Plans.
- The reason Montana's insurers record most often is other reasons, 147,784 claims, 57.9% of the state's categorized denials.
- Every Montana figure in this section is that state's own row in the same federal file PacificSource Health Plans'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.
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.
Questions
Is PacificSource Health Plans's denial rate in Montana high?
Not separately reported for PacificSource Health Plans in Montana in this release, so this page prints no rate for it. The Montana market as a whole denied 11.6% of in-network claims, 234,099 of them, against 18.7% nationally, that is the state, not this insurer. A denial rate describes the insurer, not the merits of your claim.
How many people appealed a PacificSource Health Plans denial in Montana, and how many won?
39 internal appeals were filed against not reported denials, and the overturn rate was not separately reported. How many went on to independent external review is not on the record for PacificSource Health Plans in Montana, that is the absence stated at the top of this page and sourced at the foot of it.
How does PacificSource Health Plans compare with other insurers in Montana?
PacificSource Health Plans's denial rate was not separately reported, so it cannot be ranked against the other insurers in Montana. The full Montana table is published free at /states/montana.
What does PacificSource Health Plans deny most often in Montana?
No denial-reason breakdown was reported for PacificSource Health Plans in Montana. The reason Montana's insurers recorded most often is other reasons, 147,784 claims, and that is the state's mix, not this company's.
How long do I have to appeal a PacificSource Health Plans 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, PacificSource Health Plans 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 PacificSource Health Plans denial in Montana cost anything?
The internal appeal to PacificSource Health Plans 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 PacificSource Health Plans 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. The count is the one this page names as absent for PacificSource Health Plans in Montana, so none is printed for it, an absent figure is not a count of none.
The federal file reports no separate figures for PacificSource Health Plans in Montana, so this page gives you the rights and the dates instead of a number it does not have. 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 PacificSource Health Plans 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 PacificSource Health Plans figures on this page, the 41 in-network claims received, the not reported denials, are this issuer’s own reported rows in that file. CMS did not report an external-review figure for PacificSource Health Plans in Montana in the plan-year 2026 release of the Transparency in Coverage file, which is why no external-review count appears above.
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).