Insurance appeal guides

How to Appeal a Health Insurance Denial

Step-by-step guide to appealing a health insurance denial under ERISA and ACA federal law. Know your rights, deadlines, and how to write an effective appeal letter.

2026-05-25

ERISA Appeal Rights: What Every Employer Plan Member Needs to Know

ERISA § 503 and 29 CFR § 2560.503-1 give employer health plan members powerful appeal rights. Learn what full and fair review means, insurer obligations, and how deemed exhaustion works.

2026-05-25

Health Insurance Appeal Deadline: How Long Do You Have?

Federal law sets strict deadlines for appealing health insurance denials. Learn the 180-day ERISA deadline, ACA timelines, and what happens if you miss them.

2026-05-25

Health Insurance Denial Statistics: What the Data Says

Over 85 million insurance claims are denied annually. KFF and CMS data show denial rates, appeal rates, and what happens when patients push back.

2026-05-25