The free Denial Letter Decoder shows you where to find the reason for the denial, your deadline, and who to call.

Pick the one that fits:

I got denied: A claim was denied, or the plan wants approval first.

My bill looks wrong: Check charges and ask about financial help before you pay.

Hospital or rehab ending too soon: For Medicare patients told they have to leave.

Helping a loved one: Get permission to talk to their plan and keep the paperwork straight.

Choosing a plan: Open enrollment, Medigap vs Medicare Advantage, and Medicare timing if you're still working.

Medicaid work rules: For adults in Medicaid expansion who must report hours or an exemption.

For job-based plans and plans you buy yourself (like HealthCare.gov), you generally have 180 days after you get the denial notice to file an appeal. Medicare Advantage and Medicare drug plans give 65 days, Medicaid health plans give 60 days, and Original Medicare lists the date on your Medicare Summary Notice. If waiting could seriously harm your health, ask for a fast (expedited) appeal. Your letter has the date that applies to you. Our step-by-step appeal guide walks through it.