How to Appeal a Denied Insurance Claim — By State
Every state has its own insurance protections, appeal deadlines, and regulatory agencies. Find your state below for a detailed guide on how to fight a denied claim using your state's specific laws.
Not sure where to start? Read our federal appeal guide first — it covers the rights every American has under the ACA, regardless of state.
New York
DFS external appeal, Assignment of Benefits law
9 min readCalifornia
Free binding Independent Medical Review (DMHC)
9 min readTexas
SB 1264 surprise billing, IRO binding review
9 min readFlorida
HMO balance billing ban, 20-day prompt payment
9 min readIllinois
SB 1840 surprise billing, telehealth parity
9 min readPennsylvania
Act 112 surprise billing ban, two-level appeal
9 min readOhio
60-day external review window, HMO point-of-service
9 min readGeorgia
HB 888 surprise billing, 15-day prompt payment
9 min readNew Jersey
New Jersey provides strong surprise billing protections and external review rights. Here's how to appeal a denied insurance claim in NJ step by step.
9 min readMassachusetts
Massachusetts offers comprehensive surprise billing protections and binding external review. Here's how to fight a denied claim in MA.
9 min readWashington
Washington State HB 1065 provides strong surprise billing protections. Here's how to appeal a denied insurance claim in WA and use state resources.
9 min readColorado
Colorado HB 19-1174 protects you from surprise bills and provides external review rights. Here's how to appeal a denied claim in CO.
9 min readVirginia
Virginia's HB 1896 provides surprise billing protections and external review rights. Here's how to fight a denied insurance claim in VA.
9 min readMichigan
Michigan provides HMO protections and external review rights through DIFS. Here's how to appeal a denied insurance claim in MI step by step.
9 min readMinnesota
Minnesota SF 1978 provides comprehensive surprise billing protections. Here's how to appeal a denied insurance claim in MN and use state resources.
9 min readArizona
Arizona provides external review rights and HMO protections through DIFI. Here's how to fight a denied insurance claim in AZ step by step.
9 min readNorth Carolina
North Carolina provides external review rights and HMO protections through the Department of Insurance. Here's how to fight a denied insurance claim in NC step by step.
9 min readMaryland
Maryland provides comprehensive surprise billing protections and external review through the Insurance Administration. Here's how to appeal a denied claim in MD.
9 min readConnecticut
Connecticut provides external review rights and HMO protections through the Insurance Department. Here's how to fight a denied insurance claim in CT step by step.
9 min readOregon
Oregon provides comprehensive surprise billing protections and external review through the Division of Financial Regulation. Here's how to appeal a denied claim in OR.
9 min readWisconsin
Wisconsin provides external review rights and HMO protections through the Office of the Commissioner of Insurance. Here's how to fight a denied claim in WI.
9 min readSouth Carolina
South Carolina provides external review rights through the Department of Insurance. Here's how to fight a denied insurance claim in SC step by step.
9 min readTennessee
Tennessee provides external review rights and HMO protections through the Department of Commerce and Insurance. Here's how to fight a denied claim in TN.
9 min readIndiana
Indiana provides external review rights and HMO protections through the Department of Insurance. Here's how to fight a denied insurance claim in IN step by step.
9 min readDon't see your state?
We're adding more states soon. In the meantime, the federal appeal guide covers your rights under the ACA — which apply in all 50 states.
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