Your rights vary by state.
States have their own appeal windows, external review programs, and consumer protections layered on top of federal law. Here's what we know for the states we currently work in.
California
California has some of the strongest patient appeal rights in the country, administered jointly by the Department of Managed Health Care (DMHC) and the California Department of Insurance (CDI).
Texas
Texas administers appeals through the Texas Department of Insurance (TDI) for most commercial plans, with separate routes for ERISA self-funded employer plans.
Florida
Florida's appeal landscape is governed by the Office of Insurance Regulation (OIR) for commercial insurance and the Agency for Health Care Administration (AHCA) for managed-care issues.
New York
New York has strong consumer protections administered by the Department of Financial Services (DFS), including a robust external appeal program.
More states added regularly. Don't see yours? Send your denial and we'll work it under the relevant rules.