DenialDesk

Official sources checked Jul 28, 2026 · Editorial standards

EDUCATION CENTER · EVIDENCE FIRST

Understand the paperwork before you act.

Start with plain-language guides, then check the official agency update that applies to your plan and situation.

Essential articles

How to Read an EOB Without Guessing8 min Why Health Insurance Claims Get Denied9 min Fully Insured vs Self-Funded: Why the Difference Matters7 min

Official updates to watch

CMS · MAY 29, 2026

Federal independent-dispute-resolution operations were updated

CMS posted a final rule affecting the federal provider–payer dispute process under the No Surprises Act. This operational change does not, by itself, replace the appeal deadline printed on an individual member's denial notice.

Read the CMS notices and rules

CMS · REVIEWED MAR 13, 2026

External-review routes still depend on plan type and state

CMS explains the federal external-review process and how state processes may apply. Confirm whether the plan is fully insured, self-funded, or governed by a state-specific route before relying on a generic timeline.

Review CMS external-appeal information

U.S. DEPARTMENT OF LABOR · REFERENCE

Employer-plan claims and appeals have their own filing framework

The Department of Labor's guide explains claims and appeals for private-sector employer plans. The plan document and denial notice remain the controlling records for a particular claim.

Read the Department of Labor guide

How this page is maintained. These are dated summaries of primary sources, not a live news feed. We preserve the agency's scope, link to the original material, and review the page when a cited agency changes its guidance. This material is educational and is not medical, legal, or insurance advice.