---
title: "UnitedHealthcare Benefits of Texas appeal form and deadline"
url: "https://denialfacts.com/insurers/unitedhealthcare-benefits-of-texas-inc--tx"
publisher: "Axion Labs — Denial Facts"
checked: "2026-11-04"
dataset_fixity: "sha256-cda2f9b89c8dde2a74989a35dbe7c0d08ff35dac5456484dc1c03c1b181a67b6"
---

# UnitedHealthcare Benefits of Texas denied your claim. Here is your deadline.

Denied by UnitedHealthcare Benefits of Texas? Both federal appeal deadlines dated from your notice, and a free appeal letter. No account needed.

## Figures

| Figure | Value |
| --- | --- |
| In-network denial rate | not reported |
| Claims denied | not reported |
| Plans in Texas | 24 |
| Internal appeals filed | not reported |
| Internal overturn rate | not reported |
| In-network claims received | not reported |
| External reviews filed | not reported |
| External overturn rate | not reported |
| National denial rate | 15.7% |

## External-review route

**Federal process.** CMS lists Texas among the states without an external review process meeting the federal standards. Insurers there must use either the HHS-administered federal process or an independent review organization under contract. This route is the one for insured plans, Marketplace, individual, and employer plans where an insurance company carries the risk. If your coverage is through a job and the employer pays the claims itself (a self-funded or self-insured plan, which is 63% of covered workers), the state process does not apply to you whatever your state operates, and your external review goes through the federal process instead. Your denial letter names your route; if it does not, ask your plan in writing whether the plan is self-funded.

## UnitedHealthcare Benefits of Texas in Texas, at the top of the page

Texas

Your two dates, free

Date on your denial notice

Who pays your claims?

A job, an insurance company pays the claims

A job, my employer pays the claims itself (self-funded)

A job, I do not know which

Marketplace / individual plan I bought myself

Medicare, Medicaid, TRICARE, VA or IHS

Which state?

The reason your letter gives

I'm not sure, I'll paste the sentence later

Not medically necessary
Provider out of network
Service excluded from the plan
Experimental or investigational
Referral required
Benefit limit reached
Member not covered
Administrative reason
Other reasons

Show my two dates, free

Put in the date on your UnitedHealthcare Benefits of Texas, Inc. notice and get both federal deadlines as calendar dates.

Free, for a UnitedHealthcare Benefits of Texas, Inc. denial in Texas, 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.

UnitedHealthcare Benefits of Texas, Inc. reported no usable denial count for Texas, so these dates are the part of this page that is certain. Across Texas as a whole the insurers in this file denied 17.3% of in-network claims, 24,184,622 of them, and 89,989 were appealed.

Or let the [$29 Appeal Kit](/appeal-kit) date each step and write the claim-file and external-review requests.

UnitedHealthcare Benefits of Texas, Inc. operates 24 plans in Texas.

By [Axion Labs](/about) · August 19, 2026, updated November 4, 2026

Further down this page, after the free steps: the paid next step .

United keeps denying my claims. I'm up to my ears in medical debt and I make close to nothing.

We hear this most. [r/HealthInsurance, thread title](https://www.reddit.com/r/HealthInsurance/comments/1i8epgx/united_keeps_denying_my_claims_im_up_to_my_ears/) , read September 3, 2026.

The number nobody else publishes, and here it is missing. CMS publishes no external-review figure for UnitedHealthcare Benefits of Texas, Inc. in Texas, so nobody, including the regulator, can say whether anyone ever got that far. We print no number rather than reading an absence as a zero. Nationally, 4,918 of 83,907,852 denials reached that stage, one in every 17,061, and 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) of those were overturned.

The clock your letter has to describe, in actual dates

Two dates matter more than anything else on this page, and they run the same in Texas 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](https://www.ecfr.gov/current/title-29/section-2560.503-1) ( [PDF](https://www.govinfo.gov/content/pkg/CFR-2024-title29-vol9/pdf/CFR-2024-title29-vol9-sec2560-503-1.pdf) ) and [45 CFR 147.136](https://www.ecfr.gov/current/title-45/section-147.136) ( [PDF](https://www.govinfo.gov/content/pkg/CFR-2024-title45-vol2/pdf/CFR-2024-title45-vol2-sec147-136.pdf) ), in plain English at [HealthCare.gov](https://www.healthcare.gov/appeal-insurance-company-decision/internal-appeals/) , 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.

Notice for UnitedHealthcare Benefits of Texas, Inc. in Texas, there is a deadline in this one. CMS says the HHS-Administered Federal External Review Process reopened on July 31, 2026. If your plan uses that process and you could not file between July 1, 2026 and August 3, 2026, CMS says you may be eligible for an extension and have until October 2, 2026 to request external review. If you filed before July 1, 2026 you do not need to resubmit; if you already have a final decision through the federal process, the extension does not apply to you. HealthCare.gov names one group this state-by-state page cannot show you: it says the extension may reach you if you have a state or local government plan in any state , not only in the states whose insurers use the federal process. Both pages were read at source on September 5, 2026 and this is what they said that day, [the CCIIO external appeals page](https://www.cms.gov/CCIIO/Resources/Files/external_appeals) and [HealthCare.gov on external review](https://www.healthcare.gov/appeal-insurance-company-decision/external-review/) . Read them again before you rely on this: it is a live deadline and it has moved once already. Texas is one of the states CMS lists as using the federal process, so this applies to an insured plan bought there. If your plan uses a contracted independent review organization instead, none of this affects you.

Data verified November 4, 2026 · CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain

You are not alone, and here is the measured version of that sentence, for Texas rather than for UnitedHealthcare Benefits of Texas, Inc., because the file left this company's rows empty: insurers in Texas denied 24,184,622 in-network claims in a single plan year, 17.3% of everything submitted, across 16 reporting insurers. How many of those came from UnitedHealthcare Benefits of Texas, Inc. is not on the record; that it happened to a great many people in Texas is.

What to do tonight

- Find the reason code on your denial letter. The federal file records no denial-reason breakdown for UnitedHealthcare Benefits of Texas, Inc. in Texas, 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 UnitedHealthcare Benefits of Texas, Inc. in Texas for the clinical criteria they judged you against. Under [29 CFR 2560.503-1](https://www.ecfr.gov/current/title-29/section-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 17,061 denials ever reaches the second stage, and none of the UnitedHealthcare Benefits of Texas, Inc. denials in Texas 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.

not reported

In-network denial rate

not reported

Claims denied

24

Plans in Texas

not reported

Internal appeals filed

not reported

Internal overturn rate

## What happened to appeals

| Stage | Filed | Overturned |
| --- | --- | --- |
| Internal appeal (to UnitedHealthcare Benefits of Texas, Inc.) | not reported | not reported |
| External review (independent) | not reported | not reported |

What that record means for your own UnitedHealthcare Benefits of Texas, Inc. letter, and by when. UnitedHealthcare Benefits of Texas, Inc. recorded no separately reported denials in Texas and no separately reported appeal outcome, so this page cannot tell you how its Texas appeals went, the UnitedHealthcare Benefits of Texas, Inc. rows in the plan-year 2027 release of the CMS Transparency in Coverage file, read November 4, 2026 ( [data.healthcare.gov](https://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)](https://www.govinfo.gov/content/pkg/CFR-2024-title29-vol9/pdf/CFR-2024-title29-vol9-sec2560-503-1.pdf) , carried onto individual-market coverage by [45 CFR 147.136(b)(3)(i)](https://www.govinfo.gov/content/pkg/CFR-2024-title45-vol2/pdf/CFR-2024-title45-vol2-sec147-136.pdf) ), while Medicare Advantage gives you 65 calendar days from the date of its notice ( [CMS](https://www.cms.gov/medicare/appeals-grievances/managed-care/reconsideration-advantage-health-plan-part-c) , [42 CFR 422.582(b)](https://www.ecfr.gov/current/title-42/section-422.582) ) and Medicaid managed care 60 calendar days from the date on the notice ( [42 CFR 438.402(c)(2)(ii)](https://www.ecfr.gov/current/title-42/section-438.402) ), both stages free, and the three steps above are the whole of what to do tonight, so take the date printed on your UnitedHealthcare Benefits of Texas, Inc. notice and file well inside whichever of those windows is yours. The free steps are above; the [$29 kit](/appeal-kit) is the same clock with the letters pre-filled for UnitedHealthcare Benefits of Texas, Inc. in Texas. One payment. No subscription. No cut of your claim.

## UnitedHealthcare Benefits of Texas, Inc. inside Texas

Your denial did not happen in a national average. It happened in a state market, alongside 15 other insurers reporting into the same federal file, and these are that market's own figures.

- Across the whole of Texas, the 16 insurers reporting in this file processed 139,454,274 in-network claims and denied 24,184,622 of them, a state denial rate of 17.3%. UnitedHealthcare Benefits of Texas, Inc. is one of those 16.

- That puts Texas 11th of 29 states by denial rate, 1.6 points above the 15.7% national average, before you get to what UnitedHealthcare Benefits of Texas, Inc. did inside it.

- Texas recorded 89,989 internal appeals against those denials: one appeal for every 269 claims the state's insurers refused.

- Independent external review was reached 158 times in the whole of Texas, once for every 153,067 denials, against one in 17,061 nationally. How many came from UnitedHealthcare Benefits of Texas, Inc.'s denials is not on the record, that is the Texas figure this page names as absent at the top and sources at the foot.

- Of the Texas external reviews that were filed, 50 were overturned, 31.6%. That percentage is measured on 158 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against UnitedHealthcare Benefits of Texas, Inc..

- The reason Texas's insurers record most often is [other reasons](/denial-reasons/other) , 13,485,994 claims, 35.5% of the state's categorized denials.

- Every Texas figure in this section is that state's own row in the same federal file UnitedHealthcare Benefits of Texas, Inc.'s numbers above come from, [CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain](https://data.healthcare.gov/) , and the full Texas page is free at [/states/texas](/states/texas) .

## What the file does record for Texas

The federal file carries no usable figures for UnitedHealthcare Benefits of Texas, Inc. in Texas, so nothing on this page can tell you how often this company denies or how many of its denials were appealed. What it can tell you is the market that denial happened in: Texas's own row, and the 15 other insurers reporting alongside UnitedHealthcare Benefits of Texas, Inc. there. Every number below is Texas's, not UnitedHealthcare Benefits of Texas, Inc.'s, and it is labelled that way because an absent figure must never be filled in from a neighbor.

- 13 insurers in Texas reported a denial rate where UnitedHealthcare Benefits of Texas, Inc. reported none, from Imperial Insurance Companies, Inc. at 36.8% down to Celtic Insurance Company at 9.8%. [The whole Texas table is published free](/states/texas) .

- The largest single source of denials in Texas in this release was Blue Cross Blue Shield of Texas, with 13,945,257, [its record is here](/insurers/blue-cross-blue-shield-of-texas--tx) . UnitedHealthcare Benefits of Texas, Inc.'s own share of that total is unknown, because its rows are the ones the file left empty.

- Across the whole of Texas the 16 insurers reporting in this file processed 139,454,274 in-network claims and denied 24,184,622 of them, 17.3%. None of that total is attributable to UnitedHealthcare Benefits of Texas, Inc.: an absent row is not a zero row, and we will not add one to make the arithmetic tidy.

- The reason Texas's insurers recorded most often is [other reasons](/denial-reasons/other) , 13,485,994 claims, 35.5% of the state's categorized denials against 32.4% nationally. Whether it is the reason UnitedHealthcare Benefits of Texas, Inc. recorded most often is not on the record; your own letter names yours.

- Behind it in Texas: [administrative reason](/denial-reasons/administrative) at 5,933,847 claims, then [service excluded from the plan](/denial-reasons/service-excluded) at 5,408,711. Each of those pages says plainly whether external review reaches that category at all, which is the question a UnitedHealthcare Benefits of Texas, Inc. letter is going to raise next.

- Texas's insurers denied 24,184,622 in-network claims in this release, 17.3% of everything submitted, against 15.7% nationally.

- 89,989 internal appeals were filed in Texas against those denials, one for every 269 claims refused.

- 158 of those Texas denials reached independent external review, one for every 153,067, against one in 17,061 nationally.

- Your deadlines do not depend on any of it: 180 days from the date on your UnitedHealthcare Benefits of Texas, Inc. notice for the internal appeal, then four months from the final internal denial for external review, the same in Texas as in every other state.

- What does depend on Texas is who decides your case at the end, CMS lists Texas among the states without a process meeting the federal standards, so an insured plan there goes to the federal process or to an independent review organization the insurer contracts with.

Work out your two deadlines

Put the date from your notice in and get the two calendar dates, with the days remaining.

Date on your denial notice

Which denial is this?

First denial (I have not appealed yet)

Final internal denial (my appeal was refused)

Show my deadlines

Runs entirely in your browser, the date you type is never sent to us and never stored. [Open the full calculator →](/appeal-deadline-calculator)

Or let the [$29 Appeal Kit](/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](/how-to-appeal) .

## Who appeals what at UnitedHealthcare

UnitedHealthcare runs a mandatory TWO-STEP provider process, a claim reconsideration first, an appeal only after, and is strict about who counts as the member's representative. The first row is the member's route; the others are the provider's. From UnitedHealthcare's published pages, written for health care providers and members; each is listed below with its date. It is brand-level and applies to UnitedHealthcare Benefits of Texas, Inc. in Texas the same as to every other UnitedHealthcare entity in the file.

| Dispute | Route |
| --- | --- |
| A plan denial you want changed (member) | Member, authorized representative or contracted provider. The member form says a timely request; federal rules generally give at least 180 days |
| Post-service claim dispute (provider) | Reconsideration first, then appeal, both steps inside 12 months |
| Pre-service denial | Appeal 'made prior to a planned health care service'; expedited available if delay could seriously jeopardize the member |
| Provider appealing on the member's behalf | Requires authorization/patient consent, an assignment of benefits is NOT enough |

##### Operational facts from the same policy

- Combined window for both steps: 12 months , One clock covers both steps — a slow reconsideration eats the appeal window.

- Two-step structure is mandatory: reconsideration, then appeal

- Assignment of benefits is not representation: separate patient consent needed , For patients: your provider billing UnitedHealthcare for you does NOT automatically let them appeal AS you — a separate authorization is needed, or you appeal yourself.

- Submission is portal/API: UnitedHealthcare Provider Portal or API , No mailing address or fax is published on this page.

- Expedited appeal is pre-service only: not available after the service

- Peer-to-peer review windows: 3 business days inpatient / 21 calendar days outpatient

- Member grievance window (California section of the form): 180 calendar days , Member-side second source. This wording sits under the form's California grievance instructions, so it is not a national appeal deadline. UnitedHealthcare's provider page publishes no member window.

- Who may appeal (member side): member, authorized representative, or contracted provider

- Member review clocks: acknowledge 5 days, decide 30 days standard / 3 days urgent , Stated on a form page that also carries California-specific sections (DMHC 1-888-466-2219, Independent Medical Review) — plan-state specifics can vary.

Sources: [UnitedHealthcare, "Pre- and post-service appeals and reconsiderations"](https://www.uhcprovider.com/en/claims-payments-billing/appeals.html) , quoted, not paraphrased; audience: health care providers; checked 2026-11-05. [UnitedHealthcare, "Member service request form (memberforms.uhc.com — carries state-specific sections incl. California IMR; undated)"](https://memberforms.uhc.com/Memberappealsandgrievances.html) , quoted, not paraphrased; audience: members; checked 2026-11-05. Brand-level policy, applied here because UnitedHealthcare Benefits of Texas, Inc. is a UnitedHealthcare entity. Your own denial letter and plan documents govern your specific case.

## Questions

##### Is UnitedHealthcare Benefits of Texas, Inc.'s denial rate in Texas high?

Not separately reported for UnitedHealthcare Benefits of Texas, Inc. in Texas in this release, so this page prints no rate for it. The Texas market as a whole denied 17.3% of in-network claims, 24,184,622 of them, against 15.7% 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 UnitedHealthcare Benefits of Texas, Inc. denial in Texas, and how many won?

Appeal volumes were not separately reported for UnitedHealthcare Benefits of Texas, Inc. in Texas. Across Texas as a whole 89,989 internal appeals were filed against 24,184,622 denials, one for every 269 refused, and that is the state figure, not this company's. Nationally, 26.8% of internal appeals and 22.2% of external reviews are overturned.

##### How does UnitedHealthcare Benefits of Texas, Inc. compare with other insurers in Texas?

UnitedHealthcare Benefits of Texas, Inc.'s denial rate was not separately reported, so it cannot be ranked against the other insurers in Texas. The full Texas table is published free at /states/texas.

##### What does UnitedHealthcare Benefits of Texas, Inc. deny most often in Texas?

No denial-reason breakdown was reported for UnitedHealthcare Benefits of Texas, Inc. in Texas. The reason Texas's insurers recorded most often is other reasons, 13,485,994 claims, and that is the state's mix, not this company's.

##### How long do I have to appeal a UnitedHealthcare Benefits of Texas, Inc. denial in Texas?

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 Texas, UnitedHealthcare Benefits of Texas, Inc. 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 UnitedHealthcare Benefits of Texas, Inc. denial in Texas cost anything?

The internal appeal to UnitedHealthcare Benefits of Texas, Inc. 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 Texas can be charged more than that to file one.

##### Can UnitedHealthcare Benefits of Texas, Inc. ignore an external review decision in Texas?

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 UnitedHealthcare Benefits of Texas, Inc. in Texas, so none is printed for it, an absent figure is not a count of none.

The federal file reports no separate figures for UnitedHealthcare Benefits of Texas, Inc. in Texas, so this page gives you the rights and the dates instead of a number it does not have. 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.com

[Get my Appeal Kit, $29](/appeal-kit)
Everything you need for your UnitedHealthcare Benefits of Texas, Inc. appeal in Texas: 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.

Where these numbers come from The UnitedHealthcare Benefits of Texas, Inc. figures on this page, the not reported denials, are this issuer’s own reported rows in that file. CMS did not report an external-review figure for UnitedHealthcare Benefits of Texas, Inc. in Texas in the plan-year 2027 release of the Transparency in Coverage file, which is why no external-review count appears above.

Counts: [CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain](https://data.healthcare.gov/) . Rights and timeframes: [29 CFR 2560.503-1](https://www.ecfr.gov/current/title-29/section-2560.503-1) (180 days, and your free right to the claim file) and [45 CFR 147.136](https://www.ecfr.gov/current/title-45/section-147.136) (4 months, and what qualifies), explained at [HealthCare.gov](https://www.healthcare.gov/appeal-insurance-company-decision/external-review/) . 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)](https://www.govinfo.gov/content/pkg/CFR-2024-title29-vol9/pdf/CFR-2024-title29-vol9-sec2560-503-1.pdf) and [govinfo.gov (45 CFR 147.136)](https://www.govinfo.gov/content/pkg/CFR-2024-title45-vol2/pdf/CFR-2024-title45-vol2-sec147-136.pdf) .

This page presents federal statistics and a general description of appeal rights created by federal law. It is not legal, medical, or insurance advice, and no outcome is guaranteed. Your denial letter and plan documents govern your specific case. Free help is available from your state's Consumer Assistance Program and from the federal Marketplace at HealthCare.gov.

Problem solved: You have both dates for your UnitedHealthcare Benefits of Texas, Inc. notice, you know that an insured plan in Texas goes to the federal process, and you have the letter, free, on this screen, tonight.

## The pages that answer the next question

- [Every insurer reporting in Texas](/states/texas) , the state's own row, the 16 companies filing there, and the Texas insurance department's consumer number, read at source.

- [United Healthcare denial rate](/company/unitedhealthcare) , UnitedHealthcare Benefits of Texas, Inc. is the Texas one; the brand's national rate is 20.4% across 38,271,926 claims in 19 states, and it is not the same in any two of them.

- [If United Healthcare denied your claim](/united-healthcare-denying-claims) , UnitedHealthcare's own appeal steps, quoted and labeled member or provider, and the two federal dates for your notice. This record is the Texas one.

- [UnitedHealthcare Community Plan, Inc. in Michigan](/insurers/unitedhealthcare-community-plan-inc--mi) , 24.2% of in-network claims denied, 250,592 of them, the neighboring record in this file.

- [UnitedHealthcare Insurance Company in Alabama](/insurers/unitedhealthcare-insurance-company--al) , 20.8% of in-network claims denied, 1,120,917 of them, the neighboring record in this file.

- [UnitedHealthcare Insurance Company in Indiana](/insurers/unitedhealthcare-insurance-company--in) , 17.3% of in-network claims denied, 8,176 of them, the neighboring record in this file.

- [If your employer pays the claims itself](/self-funded-denial) , then UnitedHealthcare Benefits of Texas, Inc. is only administering the plan, your state's external review has no power over the denial, and the route is federal. It is the first question our own calculator asks. 16 insurers report in Texas; whether your plan is one of theirs at all is what that page settles.

- [If it was refused before the treatment](/prior-authorization-denied) , a prior-authorization refusal from UnitedHealthcare Benefits of Texas, Inc. runs on the same two federal clocks as a denied claim, and it can be appealed while the treatment is still ahead of you. 24,184,622 in-network claims were denied in Texas in this release; a refusal before the treatment is not counted among them and is appealed the same way.

- [Before you pay a lawyer](/before-you-call-a-lawyer) , two free appeals run before anyone bills you by the hour, and UnitedHealthcare Benefits of Texas, Inc. has to hand you the claim file for nothing under 29 CFR 2560.503-1. Free help in Texas starts with the state consumer line printed on that state's page.

- [All 152 insurer-state records](/insurers) , the whole table, ranked, with UnitedHealthcare Benefits of Texas, Inc. in it and the 16 that file in Texas beside it.

Your dates are ready. [Write the letter, free](/appeal-letter)

## The two federal clocks

The clock your letter has to describe, in actual dates Whatever else is on the page, these two dates are the page. 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.

## How rare the second appeal is

You are not alone, measured rather than said: 83,907,852 in-network claims were denied in a single plan year, and only 4,918 of them, one in 17,061, ever reached the independent review stage. Of the ones that did, 22.2% (1,092 of 4,918; interval 22.2-23.8% for counts CMS withheld; 32.6% without SelectHealth) were overturned.

## What is free here, and what the one paid thing costs

Denied a claim? Insurers upheld 165,863 of the 262,982 internal appeals counted in 2024, 63.1% ( KFF ). The win is at independent external review, and the only way to arrive there is to run the internal stage on time, in the right order, with the record intact. That sequence is what the Appeal Kit is. Get my Appeal Kit, $29 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. Get my Appeal Kit, $29 Everything you need for your appeal: 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.

## What we will not pretend

What we will not pretend. We cannot overturn your denial. Only your plan, or an independent reviewer, can do that. We cannot make your plan cover a service it genuinely excludes. We cannot guarantee external review applies to your denial. It covers medical judgment, experimental or investigational determinations, and rescission, a purely administrative denial may not qualify, and we say so on those pages rather than selling you past it. We have no customer testimonials and publish none. Our evidence is the federal dataset and the regulation cites, both of which you can check.

## Every page on this site

Home Start here Insurers By company States Denial reasons Use cases How to appeal Ranked by denial rate The external-review gap Write the letter, free Deadline calculator Self-funded plan? Prior authorization denied Medicare WISeR denial Denial code CO-50 Before you call a lawyer Attorney for a denied claim Your denial letter United Healthcare denying claims Time limits on a claim Appeal a Medicare denial About Editorial policy How we compare Privacy Terms For machines: llms.txt openapi.json changes.json the composed answer this page as markdown

## Which release these figures are

Which release these figures are Every number on this page is the plan-year 2027 Transparency in Coverage file, issued October 22, 2026, covering plan-year 2025 claims. This is the newest plan year CMS has published: there is no Transparency in Coverage file for a plan year after 2027. The dataset list is at data.healthcare.gov . A test in this site’s build fetches that list on every run and fails if CMS publishes a plan year we have not acknowledged here. Every earlier release, plan-year 2024, plan-year 2025, plan-year 2026, is kept alongside it so the record is visible rather than a single year’s snapshot; /about says what changed between them. From the plan-year 2024 release to the plan-year 2026 release, external reviews filed went from 2,336 to 5,881. Overturned reviews went from 32.8% in the plan-year 2026 release to 22.2% in plan-year 2027, or from 32.6% to 32.6% without SelectHealth. We do not compare filed or overturned counts across plan-years 2026 and 2027. Some issuers may have counted pre-service appeals in their 2026 cells.

## Where these numbers come from

Where these numbers come from 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) .

## Who publishes this

Denial Facts publishes federal data about health insurance claim denials. We are independent: not affiliated with, endorsed by, or acting for any insurer, government agency, or review organization. We are not a law firm, a medical provider, or an insurance producer, and nothing here is legal, medical, or insurance advice. Data: CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain. Figures cover individual-market Qualified Health Plans on the federal Exchange and come from the plan-year 2027 release, issued October 22, 2026, covering plan-year 2025 claims. This is the newest plan year CMS has published: there is no Transparency in Coverage file for a plan year after 2027. See where the data comes from .

## Sources

- CMS Transparency in Coverage Public Use File (PY2027 release, PY2025 claims), data.healthcare.gov — US Government public domain: https://data.healthcare.gov/
- CCIIO state external review table (read August 3, 2026): https://www.cms.gov/CCIIO/Resources/Files/external_appeals
- 29 CFR 2560.503-1 (180 days, and your free right to the claim file): https://www.ecfr.gov/current/title-29/section-2560.503-1
- 45 CFR 147.136 (4 months, and what qualifies): https://www.ecfr.gov/current/title-45/section-147.136
- HealthCare.gov on external review: https://www.healthcare.gov/appeal-insurance-company-decision/external-review/

Cite: Axion Labs — Denial Facts, "UnitedHealthcare Benefits of Texas appeal form and deadline", https://denialfacts.com/insurers/unitedhealthcare-benefits-of-texas-inc--tx (checked 2026-11-04). free to quote with the URL.