PacificSource denied your claim in Oregon. 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 Oregon, 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 denied 658 of 3,771 in-network claims in Oregon; every one of those denials had these same two dates on it. Across Oregon as a whole the insurers in this file denied 10.9% of in-network claims, 277,498 of them, and 1,265 were appealed.
PacificSource Health Plans denied 17.4% of in-network claims in Oregon, 658 claims out of 3,771.
Insurance got denied, what to do next?
Those 658 denials are 0.2% of every in-network denial recorded in Oregon in this release, which makes PacificSource Health Plans the 6th largest source of denials of the 6 insurers reporting there. Spread across its 9 plans in the state that is about 73 denials per plan. 136 internal appeals were filed against those 658 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 Oregon 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: 658 in-network claims were denied by PacificSource Health Plans in Oregon 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 6 insurers reporting a denial rate in Oregon, PacificSource Health Plans is the first highest at 17.4%. The highest in the state is 17.4% and the lowest is 4%.
- That is 1.3 percentage points below the 18.7% national average across this dataset, and 6.5 points above the Oregon average of 10.9%.
- Behind the percentage: 3,771 in-network claims were processed under 9 plans in Oregon, and 658 of them came back denied.
- For every 10,000 claims PacificSource Health Plans denied, about 2067 came back as an internal appeal. The other 7,933 stopped at the letter.
- PacificSource Health Plans accounts for 0.2% of every in-network claim denied in Oregon in this file.
- By raw volume it is the 155th largest source of denials among the 158 insurer-state records in the file that report one.
- Read the other way round: 3,113 of those 3,771 in-network claims were paid, 82.6% of everything PacificSource Health Plans processed in Oregon.
- Spread across the 9 plans it reports in Oregon, that is about 73 denied claims per plan, on about 419 claims processed per plan.
- Against the file as a whole, this one record is 0% of the 84,502,749 in-network claim denials reported by every issuer in it.
- Find the reason code on your denial letter. The federal file records no denial-reason breakdown for PacificSource Health Plans in Oregon, 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 Oregon 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. 658 claims were denied here in a single year and the escalation count for PacificSource Health Plans in Oregon is the figure the top of this page records as absent, so how many were escalated is not on the record; the deadline is what decides whether anyone reads the argument.
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 |
|---|---|---|
| PacificSource Health Plans | 17.4% | , |
| Oregon average | 10.9% | +6.5 pts |
| National average (this dataset) | 18.7% | -1.3 pts |
PacificSource Health Plans 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 PacificSource Health Plans) | 136 | 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 658 denials in Oregon and no separately reported appeal outcome, so this page cannot tell you how its Oregon 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 Oregon. One payment. No subscription. No cut of your claim.
PacificSource Health Plans inside Oregon
Your denial did not happen in a national average. It happened in a state market, alongside 5 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of Oregon, the 6 insurers reporting in this file processed 2,552,164 in-network claims and denied 277,498 of them, a state denial rate of 10.9%. PacificSource Health Plans is one of those 6.
- That puts Oregon 27th of 30 states by denial rate, 7.8 points below the 18.7% national average, before you get to what PacificSource Health Plans did inside it.
- Oregon recorded 1,265 internal appeals against those denials: one appeal for every 219 claims the state's insurers refused. PacificSource Health Plans's own ratio is one for every 5.
- Independent external review was reached 47 times in the whole of Oregon, once for every 5,904 denials, against one in 14,369 nationally. How many came from PacificSource Health Plans's denials is not on the record, that is the Oregon figure this page names as absent at the top and sources at the foot.
- Of the Oregon external reviews that were filed, 0 were overturned, 0%. That percentage is measured on 47 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 Oregon's insurers record most often is other reasons, 139,261 claims, 84% of the state's categorized denials.
- The other insurers an Oregon reader could have bought from run from 14.3% (Moda Health Plan, Inc.) to 4% (Providence Health Plan). PacificSource Health Plans at 17.4% sits above all of them.
- Put the two together and PacificSource Health Plans is responsible for 0.2% of every in-network claim denied in Oregon in this release, from 0.1% of the claims the state's insurers processed.
- Every Oregon 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 Oregon page is free at /states/oregon.
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 Oregon high?
17.4% 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 PacificSource Health Plans denial in Oregon, and how many won?
136 internal appeals were filed against 658 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 Oregon, 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 Oregon?
Of the 6 insurers in Oregon with a reported denial rate, PacificSource Health Plans ranks 1 highest at 17.4%. The highest in Oregon is PacificSource Health Plans at 17.4%; the lowest is Providence Health Plan at 4%.
What does PacificSource Health Plans deny most often in Oregon?
No denial-reason breakdown was reported for PacificSource Health Plans in Oregon. The reason Oregon's insurers recorded most often is other reasons, 139,261 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 Oregon?
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 Oregon, 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 Oregon 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 Oregon can be charged more than that to file one.
Can PacificSource Health Plans ignore an external review decision in Oregon?
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 Oregon, so none is printed for it, an absent figure is not a count of none.
PacificSource Health Plans sits at 17.4% in Oregon 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 PacificSource Health Plans appeal in Oregon: 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 17.4% denial rate, the 658 denials, are this issuer’s own reported rows in that file. CMS did not report an external-review figure for PacificSource Health Plans in Oregon 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).