Sanford Health Plan claim denials in North Dakota: the federal figures
Sanford Health Plan denied 4.6% of in-network claims in North Dakota — 25,790 claims out of 565,568. Here is what happened to the people who appealed.
What happened to appeals
| Stage | Filed | Overturned |
|---|---|---|
| Internal appeal (to Sanford Health Plan) | 168 | 58.3% |
| External review (independent) | — | — |
What Sanford Health Plan denies most
The most common denial reason recorded for Sanford Health Plan plans in North Dakota is other reasons. How that denial is beaten →
| Denial reason | Claims | Share |
|---|---|---|
| Other reasons | 19,387 | 63.8% |
| Provider out of network | 4,378 | 14.4% |
| Service excluded from the plan | 3,426 | 11.3% |
| Benefit limit reached | 1,237 | 4.1% |
| Referral required | 946 | 3.1% |
| Member not covered | 608 | 2% |
| Not medically necessary | 295 | 1% |
| Experimental or investigational | 109 | 0.4% |
What to do if Sanford Health Plan denied your claim
- Get the reason in writing. The denial notice must state the specific reason and the plan provision behind it. If it does not, request it — you are entitled to it free of charge.
- File the internal appeal. Generally within 180 days of the denial notice. Sanford Health Plan overturned 58.3% of the internal appeals it received.
- If they say no again, go external. An independent organization reviews it — not Sanford Health Plan. Generally you have 4 months from the final internal denial. This is the step nearly everyone skips.
- Ask for expedited review if waiting would seriously jeopardise your health. That timeline is days, not months.
Everything you need for your Sanford Health Plan appeal: your two deadlines, the argument that fits your denial reason, an evidence checklist, and the external review request. Opens on screen the moment you pay.
Questions
Is Sanford Health Plan's denial rate high?
4.6% against a national average of 16% across the plans in this dataset. It is at or below average. A denial rate describes the insurer, not the merits of your claim.
Does appealing cost anything?
The internal appeal 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.
Can Sanford Health Plan ignore the external decision?
No. External review decisions are binding on the plan.