Understand your denial

Find out what kind of coverage you have

Work out which kind of plan you have and who regulates it, because every later answer depends on it.

Do this today

Your plan type decides your deadlines, who regulates the plan, and which appeal steps you have.
Start with who gives you the coverage: a job, the Marketplace, Medicare, Medicaid, the military, Veterans Affairs or a school.
The name on your denial letter is often the fastest clue.
If you are still unsure, ask your plan or your employer in writing.

More guides, tools, letters 5

How to find out what kind of plan you have
Use your card, your denial letter and a few questions to find out which kind of health coverage you have. Every deadline and appeal step depends on it.
Self-funded or fully insured: how to tell and why it matters
Four ways to find out if your employer plan pays claims itself or buys insurance. This changes who regulates it and how you get an outside review.
Who regulates your plan
Which agency oversees each kind of health coverage, and where to send a complaint. A state insurance department cannot help with every plan.

Tool

Coverage type finder

Work out what kind of plan you have and who regulates it, even if you are not sure.

Run by other organizations.

Questions to keep handy

Your notice or plan document controls if it differs from a general rule. Keep a copy of everything and the date and way you sent it.

Sources last checked 12 November 2026. Found a mistake? Report it.