Decision clock
Check whether your plan has taken longer than the law allows to decide, and what you can do if it has.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Your coverage type, the kind of request, and the date you made it.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It applies the general federal time limits. State rules and your plan document may set shorter ones.
Is the plan late?
Choose your coverage to start.
The plan's deadline appears here.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Your coverage type, the kind of request, and the date you made it.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It applies the general federal time limits. State rules and your plan document may set shorter ones.
Related guides and checklists
- Guide
How to file an internal appeal
Ask your plan to reconsider a denial, in writing and inside your deadline, and know how long the plan has to answer. Covers job-based plans and individual or marketplace plans.
- Guide
Patient appeal and provider appeal: run both
Your doctor's office may appeal on its own, and you can appeal too. Here is how to run both without crossed wires, and how to let the office act for you in writing.
- Guide
Second-level internal appeals
Some job-based plans have two internal appeal levels, and some offer an optional extra one. Learn how the time limits split, what a voluntary level does to your other deadlines, and when to skip it.
- Guide
When the insurer misses its deadline or goes silent
If your plan does not decide your claim or appeal on time, you may be able to skip ahead to external review or court. Here is what the rule says, its small-mistake exception, and what to do in practice.
- Checklist
Internal appeal packet
What to gather, include and send when you ask your plan to reconsider a denial, and what to track after you send it.