Appeals · 2026
Insurance Appeal Deadline Calculator
Estimate from the date you received the denial, not the date printed on it. Enter the filing window stated in your notice or plan; this tool does not preload dates or substitute a default deadline.
Common questions
Which date should I enter?
Enter the date you received the denial notice whose filing window you are checking, not the date printed on the notice. Follow the counting instructions in the notice or plan.
Why must I enter the filing window?
Internal appeal deadlines can depend on the plan and notice. The calculator does not substitute a default; enter the number of days stated in your own documents.
What is the external review deadline?
HealthCare.gov states that an eligible written external review request generally must be filed within four months after the date you receive a denial notice or final determination. Follow the instructions in your own final denial.
How does a self-funded plan change the process?
Many self-funded employer plans use federal ERISA procedures, but funding status alone does not identify the correct external review destination. Confirm the process in the plan documents and denial notice.