Find your next appeal step. Free. No account. Two short sections help identify the route for your plan and what to check next.
🔒 Routing happens in your browser. Don’t enter medical records or personal identifiers.
Step 1 of 2 · Have your plan card and denial notice nearby.
Your coverage and denial What exact kind of coverage is on the card? Choose one… Medicare Advantage Employer Plans (ERISA) ACA / Marketplace Plans Medicaid Original Medicare (Parts A & B) Medicare Part D (standalone drug plan) Federal Employees Health Benefits (FEHB) TRICARE Other / not sure
What reason did the denial notice give? Choose one… Medical necessity Experimental / investigational Prior authorization Out of network Not a covered benefit Coding / billing error Prescription drug Not sure? Leave this blank and ask the plan which denial reason and rule apply. Missing records alone may not identify the category. You can use the free worksheet while you confirm; continuing this route check still needs a reason.
Download free preparation worksheet (.txt) Continue to plan details Where your appeal goes Use your plan documents to answer. Choose “unknown” when you are unsure; we will tell you what to check.
Where are you in the appeal? First denial; no appeal filed yet Internal appeal already filed An internal appeal was denied; not sure if it was final Final required internal appeal denied; notice gives the next review step External or independent review filed Not sure
What is happening with the care now? Waiting to receive the service or drug Receiving ongoing care now Care is being reduced, ended, or discharge is planned Care already happened; this is a payment claim Not sure
Regulating state shown in plan materials (if relevant) Choose… Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Insurer or plan administrator Choose (or skip)… UnitedHealthcare Humana Aetna Elevance Health Kaiser Permanente Centene Cigna Healthcare Health Care Service Corporation Highmark Florida Blue Molina Healthcare SCAN Health Plan Devoted Health Alignment Health Blue Cross Blue Shield of Michigan
Deadline printed on the notice (if shown)
Show my next step — free Back Not legal or medical advice. Coverage Rights is a self-help tool that helps you prepare your own appeal. For advice about your specific situation, talk to a licensed attorney or your doctor.