--- title: Understanding and Appealing a Denied Prior Authorization description: How to read a prior authorization denial, build an appeal with your doctor, and escalate it if needed. category: life tags: [health-insurance, prior-authorization, appeals, medical-billing] version: "1.0" updated: 2026-10-20 sources: - name: Healthcare.gov — Internal Appeals url: https://www.healthcare.gov/appeal-insurance-company-decision/internal-appeals/ - name: Healthcare.gov — External Review url: https://www.healthcare.gov/appeal-insurance-company-decision/external-review/ - name: Obesity Action Coalition — Appealing a Denied Prior Authorization url: https://www.obesityaction.org/action-through-advocacy/access-to-care/access-to-care-resources/appealing-a-denial/ - name: Keck Medicine of USC — What to Do if Health Insurance Denies a Prior Authorization url: https://www.keckmedicine.org/blog/health-insurance-claims/ - name: Silna Health — How to Appeal a Prior Authorization Denial url: https://www.silnahealth.com/prior-authorization/how-to-appeal-denial/ - name: CareRoute — How to Appeal a Health Insurance Denial url: https://www.careroute.ai/blog/insurance-denial-appeal - name: CareRoute — Prior Authorization Denied? How to Appeal and Win url: https://www.careroute.ai/blog/prior-authorization-denied - name: Solace Health — Prior Authorization Denied: What It Means url: https://www.solace.health/articles/prior-authorization-denied - name: UnitedHealthcare — Get the facts: My prior authorization request wasn't approved url: https://www.uhc.com/news-articles/newsroom/prior-authorization - name: Medicare.gov — Medicare Appeals (official guide PDF) url: https://www.medicare.gov/publications/11525-medicare-appeals.pdf --- Getting a "prior authorization denied" letter feels like a dead end, but it almost never is. Insurers deny a lot of first requests, and a big share of those get overturned on appeal — most people just never ask. This walks you through reading the denial, fighting it with your doctor's help, and taking it outside the insurance company if you need to. ## Understand the Denial - [ ] Get the written denial letter, not just the phone call `{essential}` This document should include a paragraph explaining your appeal rights and how to submit an appeal, and you need it to start the clock on any deadline. - [ ] Call the insurer and ask for the specific reason code and the clinical policy or criteria used Generic "not medically necessary" isn't enough; get the actual guideline (InterQual, MCG, or the plan's own bulletin) so you know exactly what to rebut. - [ ] Ask for the reviewer's name and specialty This tells you whether a specialist who treats your condition even looked at the case. - [ ] Write down every appeal deadline you're given `{when: conditional}` Deadlines vary by plan type and urgency, so confirm the exact number of days in your letter rather than assuming. - [ ] Check whether this is a clinical denial (not medically necessary, experimental) or an administrative one (wrong code, missing info, step therapy not done) `{essential}` The fix is completely different depending on which it is. - [ ] Flag it as urgent if waiting would seriously risk your health This unlocks a much faster review track, so don't skip mentioning it. ## Build Your Case With Your Doctor - [ ] Call your doctor's office right away and share the denial reason They often have a billing or clinical staffer who handles this routinely. - [ ] Ask your doctor to request a peer-to-peer review A peer-to-peer review is a phone call between your treating doctor and the insurance company's medical director, and it's often the fastest route to a reversal. - [ ] Pull together supporting records: test results, consult notes, and a letter of medical necessity The letter should address each point of denial with factual, supported evidence. - [ ] Have your doctor address the insurer's stated criteria point by point, not just assert "medically necessary" in general terms Appeals that engage the specific policy language do better. - [ ] Gather documentation of any treatments you already tried and how they failed, with dates This matters most for step-therapy denials. - [ ] Note the original prior authorization reference number and the CPT/procedure or diagnosis codes involved `{essential}` Your written appeal needs these to be matched to the right case. ## File the Internal Appeal - [ ] Confirm your filing deadline `{essential}` For most private plans it's 180 days (6 months) of receiving notice that your claim was denied; missing it can forfeit your appeal rights entirely. - [ ] Submit the appeal in writing, even if the denial letter says you can call A phone complaint alone usually doesn't satisfy the formal appeal requirement. - [ ] Send it by certified mail or through the insurer's tracked portal, and keep proof of submission If there's ever a dispute about timing, this is your evidence. - [ ] Request expedited review if delay would harm your health You can start this by phone, and insurers generally must respond within 72 hours. - [ ] Check your plan document for a different appeals body `{when: employer-self-insured-plan}` The denial probably will occur at the predetermination stage of the process and may route to a special pension and benefits appeals board instead of a standard EOB appeal. - [ ] Send the same appeal up to the health plan itself next `{when: hmo-medical-group-denial}` This applies if you have an HMO and a medical group denies the appeal first. - [ ] Ask the insurer to confirm in writing that your appeal was received Follow up if you don't hear back within the stated response window (commonly 30 days for pre-service, 7 days for standard appeals, or 72 hours if expedited). ## Escalate to External Review - [ ] Request external review if the internal appeal is still denied `{essential}` Under the ACA, most private health insurance plans must offer a two-level appeals process: an internal appeal followed by an external review if the denial is upheld. - [ ] File within the stated window Commonly around 4 months from the internal denial, though check your letter since it varies by state and plan. - [ ] Know that the outcome is binding An independent review organization reviews the case fresh, and if they rule in your favor, the insurer must approve the treatment. - [ ] Submit all your appeal documentation plus anything new You can submit new evidence not included in the internal appeal. - [ ] Know it costs you nothing The insurer pays for the independent review. - [ ] Follow the Medicare Advantage appeal path `{when: medicare-advantage}` After plan reconsideration, the case is forwarded automatically to the Independent Review Entity (the contractor is Maximus), then to an Administrative Law Judge at OMHA, then to the Medicare Appeals Council, and finally to federal court. - [ ] Start at Redetermination with the Medicare Administrative Contractor that processed your claim `{when: original-medicare}` This is the first of the program's five appeal levels. - [ ] Call your state Department of Insurance or Consumer Assistance Program if you're stuck finding the right form They exist specifically to help with this and can push on your behalf. ## While You Wait - [ ] Ask about "concurrent review" for urgent cases In some situations treatment can start while the appeal is processed. - [ ] Loop in your employer's HR or benefits team if you have employer coverage They can sometimes apply pressure the insurer listens to. - [ ] Keep a simple log of every call: date, name of the person you spoke with, and what was said This becomes your paper trail if the case drags on or goes to external review. - [ ] Re-check your appeal deadline every time you get a new letter `{essential}` A new denial often starts a new, shorter clock, and it's easy to lose track across multiple rounds.