there are a number of circumstances under which you're entitled to appeal your insurer's decisions. you can appeal if your insurer: denied payment for your care ruled that your care was not medically necessary said that you're not eligible for the benefit in question claimed that your treatment is experimental claimed that you have a pre-existing condition (when your plan does not cover them) by law your insurer must review your appeal and make a determination within certain timelines: 72 hours for denials of urgent care. 30 days for denials of nonurgent care you have not yet received. 60 days for denials of service you have already received. if your insurance company has been paying for your care and made a recent decision to stop it's always worth asking that it continue paying for your treatment until a determination on your appeal has been made.
when am i entitled to appeal my insurance company over a denial of care?