How to Appeal a Denied Health Insurance Claim in 2026

 

How to appeal a denied claim

  • Review your denial letter for the reason code and deadline.
  • Gather medical records, doctor notes, and any supporting documents.
  • Log in to myuhc.com and go to the Appeals section.
  • Submit the appeal form with all supporting documents attached.
  • Wait for a decision, which typically takes 30 to 60 days.
  • Escalate to an external review if your appeal is denied again.

Frequently asked questions

How long do I have to appeal a denial?

You typically have 180 days from the date you received the denial notice to submit your appeal.

What documents do I need to appeal?

Include the denial letter, relevant medical records, physician letters supporting medical necessity, and any related test results or treatment notes.

What is an external review?

An external review is an independent evaluation of your appeal conducted by a third party not affiliated with your insurance company.

What is the appeal success rate?

Success rates vary by plan and denial reason, but well-documented appeals with strong medical justification have a significantly higher chance of approval.

Can my doctor help with my appeal?

Yes. Your doctor can write a letter of medical necessity and provide detailed records, which greatly strengthens your appeal.

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