Insurance Appeal Guides
Step-by-step guides to fighting denied claims with the largest health insurers
Your health insurance claim was denied — now what? These guides walk you through the specific appeal process for each major insurer, including timelines, contact information, forms, and proven strategies. About 50% of appeals succeed, yet fewer than 1% of denied claims are ever appealed.
Choose your insurer below, or start with our general insurance appeal guide and free appeal letter template.
How to Appeal a UnitedHealthcare Denial
UHC appeal process, timelines (180 days to file), contact numbers, myUHC portal tips, and how to reference UHC's own medical policies in your appeal.
How to Appeal an Anthem/Blue Cross Blue Shield Denial
Navigate the BCBS federation, find the right company for your appeal, use peer-to-peer reviews, and leverage Anthem's Clinical UM Guidelines.
How to Appeal an Aetna Denial
Aetna's two-level appeal process, Clinical Policy Bulletins (CPBs), peer-to-peer reviews, and CVS Health integration tips.
How to Appeal a Cigna Denial
Cigna's Coverage Policy documents, deemed exhaustion rules, mental health parity protections, and myCigna portal submission.
How to Appeal a Medicare Denial
All 5 levels of Medicare appeals, Original Medicare vs. Medicare Advantage differences, ALJ hearings, SHIP counseling, and QIO fast appeals.