 [ Symptoms ] when am i entitled to appeal my insurance company over a denial of care [ Disease ] there are a number of circumstances under which you are entitled to appeal your insurer is decisions you can appeal if your insurer denied payment for your care ruled that your care was not medically necessary said that you are 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 is always worth asking that it continue paying for your treatment until a determination on your appeal has been made