Reviewed Jul 26, 2026 · plan year 2026 · Method and sources

Not advice

DenialDesk is not an insurer, a law firm, a medical provider, or a licensed adviser. Results are arithmetic estimates based on published 2026 federal figures. They do not account for your plan's specific terms, exclusions, state rules, or circumstances.

Appeal deadlines and coverage rules carry real consequences. Before acting on any figure here — especially a filing deadline — confirm it with your plan, your denial notice, or your state insurance department.

Accuracy

Considerable effort goes into keeping figures correct, and sources are documented on the method page. Even so, rules change, published figures get revised, and software contains errors. Content is provided "as is" without warranty of any kind. You are responsible for verifying anything you rely on.

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