University of Utah Health Insurance Plans denied your claim. Here is your deadline.
Put in the date on your University of Utah Health Insurance Plans notice and get both federal deadlines as calendar dates.
Free, for a University of Utah Health Insurance Plans denial in Utah, 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.
University of Utah Health Insurance Plans denied 122,297 of 644,314 in-network claims in Utah; every one of those denials had these same two dates on it. Across Utah as a whole the insurers in this file denied 18.6% of in-network claims, 1,781,916 of them, and 6,469 were appealed.
University of Utah Health Insurance Plans denied 19% of in-network claims in Utah, 122,297 claims out of 644,314.
Insurance got denied, what to do next?
Those 122,297 denials are 6.9% of every in-network denial recorded in Utah in this release, which makes University of Utah Health Insurance Plans the 2nd largest source of denials of the 6 insurers reporting there. Spread across its 12 plans in the state that is about 10,191 denials per plan. 482 internal appeals were filed against those 122,297 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 Utah 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: 122,297 in-network claims were denied by University of Utah Health Insurance Plans in Utah 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 Utah, University of Utah Health Insurance Plans is the third highest at 19%. The highest in the state is 33.3% and the lowest is 14.8%.
- That is 0.3 percentage points above the 18.7% national average across this dataset, and 0.4 points above the Utah average of 18.6%.
- Behind the percentage: 644,314 in-network claims were processed under 12 plans in Utah, and 122,297 of them came back denied.
- For every 10,000 claims University of Utah Health Insurance Plans denied, about 39 came back as an internal appeal. The other 9,961 stopped at the letter.
- Of the internal appeals it did receive, University of Utah Health Insurance Plans overturned 32.16%, 155 claims that started life as a no.
- Its most-recorded denial reason is benefit limit reached at 25.5% of its categorized denials, against 4.2% nationally, a heavier share than the country as a whole. That is the denial mix, not an outcome rate.
- University of Utah Health Insurance Plans accounts for 6.9% of every in-network claim denied in Utah in this file.
- By raw volume it is the 90th largest source of denials among the 158 insurer-state records in the file that report one.
- After that, its second-most-recorded reason is administrative reason, 27,441 claims, 23.4% of its categorized denials.
- Third on its own list is referral required, 17,202 claims, 14.7% of what University of Utah Health Insurance Plans categorized in Utah. Between them the top three account for 63.5% of its categorized denials.
- Where University of Utah Health Insurance Plans differs most from the national mix is benefit limit reached: 25.5% of its categorized denials in Utah against 4.2% across the file.
- Read the other way round: 522,017 of those 644,314 in-network claims were paid, 81% of everything University of Utah Health Insurance Plans processed in Utah.
- Spread across the 12 plans it reports in Utah, that is about 10,191 denied claims per plan, on about 53,693 claims processed per plan.
- Its reason columns add up to 117,382 categorized rows against 122,297 denials, 96% 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 Utah is not medically necessary, 2,692 claims, 2.3% of what University of Utah Health Insurance Plans 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 University of Utah Health Insurance Plans records most often in Utah is benefit limit reached, 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 University of Utah Health Insurance Plans in Utah 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. University of Utah Health Insurance Plans overturned 32.16% of the internal appeals it did receive, 155 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 |
|---|---|---|
| University of Utah Health Insurance Plans | 19% | , |
| Utah average | 18.6% | +0.4 pts |
| National average (this dataset) | 18.7% | +0.3 pts |
University of Utah Health Insurance Plans denies 0.3 percentage points more of its in-network claims than 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 University of Utah Health Insurance Plans) | 482 | 32.16% |
| External review (independent) | not reported | not reported |
What that record means for your own University of Utah Health Insurance Plans letter, and by when. University of Utah Health Insurance Plans overturned 32.16% of the 482 internal appeals its Utah members filed against 122,297 denials, and the Utah escalation count for University of Utah Health Insurance Plans 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, University of Utah Health Insurance Plans'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 University of Utah Health Insurance 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 University of Utah Health Insurance Plans in Utah. One payment. No subscription. No cut of your claim.
University of Utah Health Insurance Plans inside Utah
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 Utah, the 6 insurers reporting in this file processed 9,574,696 in-network claims and denied 1,781,916 of them, a state denial rate of 18.6%. University of Utah Health Insurance Plans is one of those 6.
- That puts Utah 13th of 30 states by denial rate, 0.1 points below the 18.7% national average, before you get to what University of Utah Health Insurance Plans did inside it.
- Utah recorded 6,469 internal appeals against those denials: one appeal for every 275 claims the state's insurers refused. University of Utah Health Insurance Plans's own ratio is one for every 254.
- Independent external review was reached 130 times in the whole of Utah, once for every 13,707 denials, against one in 14,369 nationally. How many came from University of Utah Health Insurance Plans's denials is not on the record, that is the Utah figure this page names as absent at the top and sources at the foot.
- Of the Utah external reviews that were filed, 53 were overturned, 40.8%. That percentage is measured on 130 reviews, which is why the count beside it matters more than the rate does when you are deciding whether to file against University of Utah Health Insurance Plans.
- The reason Utah's insurers record most often is other reasons, 1,333,104 claims, 57.8% of the state's categorized denials. University of Utah Health Insurance Plans records benefit limit reached most often instead, which is the argument your letter will need to answer.
- The other insurers a Utah reader could have bought from run from 33.3% (Imperial Health Plan of the Southwest, Inc.) to 14.8% (Regence BlueCross BlueShield of Utah). University of Utah Health Insurance Plans at 19% sits between the two.
- Put the two together and University of Utah Health Insurance Plans is responsible for 6.9% of every in-network claim denied in Utah in this release, from 6.7% of the claims the state's insurers processed.
- Every Utah figure in this section is that state's own row in the same federal file University of Utah Health Insurance 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 Utah page is free at /states/utah.
What University of Utah Health Insurance Plans denies most
The most common denial reason recorded for University of Utah Health Insurance Plans plans in Utah is benefit limit reached. How that denial is beaten →
| Denial reason | Claims | Share | National share |
|---|---|---|---|
| Benefit limit reached | 29,944 | 25.5% | 4.2% |
| Administrative reason | 27,441 | 23.4% | 22.5% |
| Referral required | 17,202 | 14.7% | 8.4% |
| Service excluded from the plan | 15,380 | 13.1% | 11.6% |
| Other reasons | 13,359 | 11.4% | 32.3% |
| Member not covered | 6,578 | 5.6% | 6.6% |
| Provider out of network | 4,786 | 4.1% | 9.8% |
| Not medically necessary | 2,692 | 2.3% | 4.6% |
The last column is each reason's share of all categorized denials nationally, so you can see where University of Utah Health Insurance Plans's mix in Utah 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: University of Utah Health Insurance Plans overturned 32.16% of the internal appeals it received.
Questions
Is University of Utah Health Insurance Plans's denial rate in Utah high?
19% against a national average of 18.7% across the plans in this dataset. It is above average. A denial rate describes the insurer, not the merits of your claim.
How many people appealed a University of Utah Health Insurance Plans denial in Utah, and how many won?
482 internal appeals were filed against 122,297 denials, and 32.16% of them were overturned (155 claims). How many went on to independent external review is not on the record for University of Utah Health Insurance Plans in Utah, that is the absence stated at the top of this page and sourced at the foot of it.
How does University of Utah Health Insurance Plans compare with other insurers in Utah?
Of the 6 insurers in Utah with a reported denial rate, University of Utah Health Insurance Plans ranks 3 highest at 19%. The highest in Utah is Imperial Health Plan of the Southwest, Inc. at 33.3%; the lowest is Regence BlueCross BlueShield of Utah at 14.8%.
What does University of Utah Health Insurance Plans deny most often in Utah?
Benefit limit reached, 29,944 claims, 25.5% of this issuer's categorized denials, against 4.2% 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 University of Utah Health Insurance Plans denial in Utah?
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 Utah, University of Utah Health Insurance 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 University of Utah Health Insurance Plans denial in Utah cost anything?
The internal appeal to University of Utah Health Insurance 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 Utah can be charged more than that to file one.
Can University of Utah Health Insurance Plans ignore an external review decision in Utah?
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 University of Utah Health Insurance Plans in Utah, so none is printed for it, an absent figure is not a count of none.
University of Utah Health Insurance Plans sits at 19% in Utah 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 University of Utah Health Insurance Plans appeal in Utah: 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 University of Utah Health Insurance Plans figures on this page, the 19% denial rate, the 122,297 denials, are this issuer’s own reported rows in that file. CMS did not report an external-review figure for University of Utah Health Insurance Plans in Utah 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).