Quartz Health Benefit Plans denied your claim in Wisconsin. Here is your deadline.
Put in the date on your Quartz Health Benefit Plans Corporation notice and get both federal deadlines as calendar dates.
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Quartz Health Benefit Plans Corporation denied 57,350 of 696,511 in-network claims in Wisconsin; every one of those denials had these same two dates on it. Across Wisconsin as a whole the insurers in this file denied 12.1% of in-network claims, 1,188,325 of them, and 2,083 were appealed.
Quartz Health Benefit Plans Corporation denied 8.2% of in-network claims in Wisconsin, 57,350 claims out of 696,511.
Insurance got denied, what to do next?
Those 57,350 denials are 4.8% of every in-network denial recorded in Wisconsin in this release, which makes Quartz Health Benefit Plans Corporation the 7th largest source of denials of the 12 insurers reporting there. Spread across its 57 plans in the state that is about 1,006 denials per plan. 204 internal appeals were filed against those 57,350 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 Wisconsin 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: 57,350 in-network claims were denied by Quartz Health Benefit Plans Corporation in Wisconsin 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 12 insurers reporting a denial rate in Wisconsin, Quartz Health Benefit Plans Corporation is the 11th highest at 8.2%. The highest in the state is 18.9% and the lowest is 6.5%.
- That is 10.5 percentage points below the 18.7% national average across this dataset, and 3.9 points below the Wisconsin average of 12.1%.
- Behind the percentage: 696,511 in-network claims were processed under 57 plans in Wisconsin, and 57,350 of them came back denied.
- For every 10,000 claims Quartz Health Benefit Plans Corporation denied, about 36 came back as an internal appeal. The other 9,964 stopped at the letter.
- Of the internal appeals it did receive, Quartz Health Benefit Plans Corporation overturned 48.04%, 98 claims that started life as a no.
- Its most-recorded denial reason is administrative reason at 84% of its categorized denials, against 22.5% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- Quartz Health Benefit Plans Corporation accounts for 4.8% of every in-network claim denied in Wisconsin in this file.
- By raw volume it is the 115th largest source of denials among the 158 insurer-state records in the file that report one.
- After that, its second-most-recorded reason is service excluded from the plan, 4,382 claims, 7.5% of its categorized denials.
- Third on its own list is referral required, 4,316 claims, 7.4% of what Quartz Health Benefit Plans Corporation categorized in Wisconsin. Between them the top three account for 98.8% of its categorized denials.
- Where Quartz Health Benefit Plans Corporation differs most from the national mix is administrative reason: 84% of its categorized denials in Wisconsin against 22.5% across the file.
- Read the other way round: 639,161 of those 696,511 in-network claims were paid, 91.8% of everything Quartz Health Benefit Plans Corporation processed in Wisconsin.
- Spread across the 57 plans it reports in Wisconsin, that is about 1,006 denied claims per plan, on about 12,219 claims processed per plan.
- Its reason columns add up to 58,658 categorized rows against 57,350 denials, 102.3% 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 Wisconsin is experimental or investigational, 82 claims, 0.1% of what Quartz Health Benefit Plans Corporation 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 Quartz Health Benefit Plans Corporation records most often in Wisconsin 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 Quartz Health Benefit Plans Corporation in Wisconsin 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. Quartz Health Benefit Plans Corporation overturned 48.04% of the internal appeals it did receive, 98 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 |
|---|---|---|
| Quartz Health Benefit Plans Corporation | 8.2% | , |
| Wisconsin average | 12.1% | -3.9 pts |
| National average (this dataset) | 18.7% | -10.5 pts |
Quartz Health Benefit Plans Corporation 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 Quartz Health Benefit Plans Corporation) | 204 | 48.04% |
| External review (independent) | not reported | not reported |
What that record means for your own Quartz Health Benefit Plans Corporation letter, and by when. Quartz Health Benefit Plans Corporation overturned 48.04% of the 204 internal appeals its Wisconsin members filed against 57,350 denials, and the Wisconsin escalation count for Quartz Health Benefit Plans Corporation is the figure this page names as absent at the top, so how many of those denials went on to the independent stage is not something this page can tell you, Quartz Health Benefit Plans Corporation'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 Quartz Health Benefit Plans Corporation 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 Quartz Health Benefit Plans Corporation in Wisconsin. One payment. No subscription. No cut of your claim.
Quartz Health Benefit Plans Corporation inside Wisconsin
Your denial did not happen in a national average. It happened in a state market, alongside 11 other insurers reporting into the same federal file, and these are that market's own figures.
- Across the whole of Wisconsin, the 12 insurers reporting in this file processed 9,824,576 in-network claims and denied 1,188,325 of them, a state denial rate of 12.1%. Quartz Health Benefit Plans Corporation is one of those 12.
- That puts Wisconsin 25th of 30 states by denial rate, 6.6 points below the 18.7% national average, before you get to what Quartz Health Benefit Plans Corporation did inside it.
- Wisconsin recorded 2,083 internal appeals against those denials: one appeal for every 570 claims the state's insurers refused. Quartz Health Benefit Plans Corporation's own ratio is one for every 281.
- Not one denial in Wisconsin reached independent external review in the reported year, not Quartz Health Benefit Plans Corporation's and not any other insurer's in the state. That is the stage whose decision the plan is required by law to accept.
- The reason Wisconsin's insurers record most often is other reasons, 363,275 claims, 39.5% of the state's categorized denials. Quartz Health Benefit Plans Corporation records administrative reason most often instead, which is the argument your letter will need to answer.
- The other insurers a Wisconsin reader could have bought from run from 18.9% (Security Health Plan of Wisconsin, Inc.) to 6.5% (HealthPartners Insurance Company). Quartz Health Benefit Plans Corporation at 8.2% sits between the two.
- Put the two together and Quartz Health Benefit Plans Corporation is responsible for 4.8% of every in-network claim denied in Wisconsin in this release, from 7.1% of the claims the state's insurers processed.
- Every Wisconsin figure in this section is that state's own row in the same federal file Quartz Health Benefit Plans Corporation'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 Wisconsin page is free at /states/wisconsin.
What Quartz Health Benefit Plans Corporation denies most
The most common denial reason recorded for Quartz Health Benefit Plans Corporation plans in Wisconsin is administrative reason. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Administrative reason | 49,267 | 84% | 22.5% |
| Service excluded from the plan | 4,382 | 7.5% | 11.6% |
| Referral required | 4,316 | 7.4% | 8.4% |
| Provider out of network | 259 | 0.4% | 9.8% |
| Benefit limit reached | 230 | 0.4% | 4.2% |
| Other reasons | 122 | 0.2% | 32.3% |
| Experimental or investigational | 82 | 0.1% | 0.1% |
The last column is each reason's share of all categorized denials nationally, so you can see where Quartz Health Benefit Plans Corporation's mix in Wisconsin 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.
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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: Quartz Health Benefit Plans Corporation overturned 48.04% of the internal appeals it received.
Questions
Is Quartz Health Benefit Plans Corporation's denial rate in Wisconsin high?
8.2% 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 Quartz Health Benefit Plans Corporation denial in Wisconsin, and how many won?
204 internal appeals were filed against 57,350 denials, and 48.04% of them were overturned (98 claims). How many went on to independent external review is not on the record for Quartz Health Benefit Plans Corporation in Wisconsin, that is the absence stated at the top of this page and sourced at the foot of it.
How does Quartz Health Benefit Plans Corporation compare with other insurers in Wisconsin?
Of the 12 insurers in Wisconsin with a reported denial rate, Quartz Health Benefit Plans Corporation ranks 11 highest at 8.2%. The highest in Wisconsin is Security Health Plan of Wisconsin, Inc. at 18.9%; the lowest is HealthPartners Insurance Company at 6.5%.
What does Quartz Health Benefit Plans Corporation deny most often in Wisconsin?
Administrative reason, 49,267 claims, 84% of this issuer's categorized denials, against 22.5% 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 Quartz Health Benefit Plans Corporation denial in Wisconsin?
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 Wisconsin, Quartz Health Benefit Plans Corporation 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 Quartz Health Benefit Plans Corporation denial in Wisconsin cost anything?
The internal appeal to Quartz Health Benefit Plans Corporation 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 Wisconsin can be charged more than that to file one.
Can Quartz Health Benefit Plans Corporation ignore an external review decision in Wisconsin?
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 Quartz Health Benefit Plans Corporation in Wisconsin, so none is printed for it, an absent figure is not a count of none.
Quartz Health Benefit Plans Corporation sits at 8.2% in Wisconsin 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 Quartz Health Benefit Plans Corporation appeal in Wisconsin: 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 Quartz Health Benefit Plans Corporation figures on this page, the 8.2% denial rate, the 57,350 denials, are this issuer’s own reported rows in that file. CMS did not report an external-review figure for Quartz Health Benefit Plans Corporation in Wisconsin 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).