How long do I have to appeal an insurance denial?
Appeals have hard deadlines, and missing one can end your case. The short answer: usually 180 days to file an internal appeal — but it varies by plan, so find your exact date now and act early.
The key deadlines
| Stage | Typical deadline |
|---|---|
| File an internal appeal | Within 180 days of the denial notice (varies by plan) |
| Insurer’s decision (pre-service) | About 30 days |
| Insurer’s decision (post-service) | About 60 days |
| Urgent / expedited decision | About 72 hours |
| Request an external review | Generally within 4 months of the final internal denial |
These are common federal timeframes for non-grandfathered plans (see HealthCare.gov). Self-funded and some other plans differ — always confirm against your own documents.
Find your exact deadline
- Read the denial letter — it should state your appeal rights and the deadline.
- Check your plan document / SBC for the appeal window.
- Use the date on the notice as your start date, and build in a buffer.
- If it’s urgent, ask for an expedited appeal right away.
Gathering records and a physician letter takes time. Starting early means you’re not racing the clock — and you can still escalate to external review if the first appeal fails.
Ready to start?
Walk the whole process in our guide to appealing a denial, or build your appeal now — it’s free.
Frequently asked questions
How long do I have to appeal a health insurance denial?
For most plans you have 180 days (about six months) from the date of the denial notice to file an internal appeal. Some plans allow less time, so confirm the exact deadline on your denial letter and plan documents.
How long do I have to request an external review?
You generally must request an external review within 4 months (about 120 days) of the final internal denial. Your insurer’s final notice explains how to request it.
What if I missed the appeal deadline?
Your options narrow, but it can still be worth asking. Some plans or states allow late appeals for good cause, and you can ask the insurer in writing. Act immediately — every day matters.
When does the appeal clock start?
Usually on the date the denial was issued, not the day you opened the envelope. Use the date printed on the denial notice and give yourself a buffer.
Don't wait — build your appeal free today
Deadlines move fast. IntelClaim drafts a tailored appeal in minutes, free, so you can submit in time.
IntelClaim is a self-help tool — not legal, medical, or insurance advice — and does not guarantee any particular outcome. Information on this site is general and may not reflect the rules of your specific plan or state. Always read your own denial letter, plan documents, and the deadlines that apply to you, and consider professional advice for your situation. No PHI is collected on this marketing site.