New York insurance appeal rights

New York has strong consumer protections administered by the Department of Financial Services (DFS), including a robust external appeal program.

Internal appeal rights

Internal appeal must be filed within 180 days. The carrier must respond within 30 days for standard cases, 72 hours for urgent.

External review

New York's External Appeal Program is administered by DFS-certified IRO panels and binds the carrier. The application is free to the patient.

NY regulator

New York Department of Financial Services (DFS) — official site

Notable

DFS publishes annual carrier complaint rankings — useful evidence in appeals.
External Appeal Helpline: 800-400-8882.
New York mental health parity enforcement is among the most active in the country.

Filed a denial in New York?

We work under NY rules. Send your denial letter and we'll structure the appeal under the strongest available state and federal protections.

Send my denial

State law information is provided for general guidance and is not legal advice. Confirm with your state regulator or a licensed attorney for your specific case.