Every carrier has its own playbook.
We track denial patterns, appeal-window quirks, and procedural leverage points for every major U.S. health insurer. Pick yours below or send your denial and we'll tell you which path fits.
UnitedHealthcare
UnitedHealthcare is the largest U.S. health insurer by membership and runs commercial, Medicare Advantage, and Medicaid plans. Denial volume is correspondingly high, but so is the reversal rate when appeals are filed correctly.
Aetna (CVS Health)
Aetna, owned by CVS Health since 2018, runs commercial group plans, Medicare Advantage, and a large pharmacy benefit footprint via Caremark. GLP-1, specialty drug, and behavioral health denials are the highest-volume categories.
Cigna (Evernorth)
Cigna serves a large employer-sponsored book and runs Medicare Advantage in select markets. The company's automated 'PXDX' review process for high-volume denials has been the subject of recent litigation and regulatory scrutiny.
Anthem / BlueCross BlueShield
BlueCross BlueShield is a federation of 33 independent licensees plus Anthem's nine-state plan group. Each plan has its own denial language, but appeal rights are federally standardized for ACA-compliant products.
Humana
Humana is among the top three Medicare Advantage carriers and also operates Tricare and a smaller commercial book. Medicare Advantage prior auth is the highest-volume denial category.
Medicare (Original + Advantage)
Medicare is a federal program with two delivery modes,Original (fee-for-service Part A/B + Part D drug plans) and Advantage (private MA-C plans). Each has its own appeal ladder, and rights are stronger than most beneficiaries realize.