If you have a Medicare Advantage Plan and you were denied coverage for a health service or item before you received the service or item, you can appeal to ask your plan to reconsider its decision. Follow the steps below if you feel that the denied health service or item should be covered by your plan.
- Before you can start your appeal, you will need to get an official written decision from your plan, called a Notice of Denial of Medical Coverage. You are typically first told verbally that your plan will not cover a service or item when you or your doctor call to confirm coverage before the service is provided. If the plan tells you that the service or item will not be covered, they should also send you the Notice of Denial of Medical Coverage. You should receive this written denial within 14 days.
- You can request a fast (expedited) appeal if you or your doctor feel that your health could be seriously harmed by waiting the standard timeline for appeal decisions. If your plan approves your request to expedite, it should issue a decision within 72 hours. For this and the following levels of appeal, your doctor can ask that the plan follow the expedited timeline.
- Start your appeal by following the instructions on the Notice of Denial of Medical Coverage. Make sure to file your appeal within 60 days of the date on this notice. You will need to send a letter to your plan explaining why you need the service or item. You may also want to ask your doctor to write a letter of support, explaining why you need care and addressing the plan’s concerns. Your plan should make a decision within 30 days. If you file an expedited appeal, your plan should make a decision within 72 hours.
- In some cases, your plan can extend its decision deadline up to 14 days. You should be notified if this happens.
- If you don’t receive a Notice of Denial of Medical Coverage within two weeks (or 28 days if your plan extended its decision deadline), you can file an appeal without it. Start your appeal by sending a letter to your plan explaining that it has been two weeks since you initially requested an item or service, and you have not received a denial notice. If possible, include a doctor’s letter of support. You may also want to file a grievance (see When and How Should I File a Grievance?).
- If you have a good reason for missing your appeal deadline, you may be eligible for a good cause extension (see When and How Should I Request a Good Cause Extension?).
- If the appeal is successful, your service or item will be covered. If you appeal is denied, you should receive a written denial notice. Your plan should also automatically forward your appeal to the next level, the Independent Review Entity (IRE). The IRE should make a decision within 72 hours.
- If your plan misses the 30-day decision deadline, your appeal will be considered denied, and your plan should automatically forward your appeal to the IRE.
- If your appeal to the IRE is successful, your service or item will be covered. If your IRE appeal is denied and your service or item is worth at least $160 in 2019, you can choose to appeal to the OMHA level. You must file your OMHA level appeal within 60 days of the date on your IRE denial letter. If you decide to appeal to the OMHA level, you may want to contact a lawyer or legal services organization to help you with this or later steps in your appeal—but this is not required.
- If your appeal to the OMHA level is successful, your service or item will be covered. If your appeal is denied and your service or item is worth at least $160 in 2019, you can appeal to the Council within 60 days of the date on your OMHA level denial letter. There is no timeframe for the Council to make a decision about your appeal.
- If your appeal to the Council is successful, your service or item will be covered. If your appeal is denied and your service or item is worth at least $1,630 is 2019, you can appeal to the Federal District Court within 60 days of the date on your Council denial letter. There is no timeframe for the Federal District Court to make a decision about your appeal.
This content was created and copyrighted by the Medicare Rights Center ©2019. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These materials are presented here with support from YourMedicare.com and may not be distributed, modified or edited without Medicare Rights’ consent.
YourMedicare.com takes pride in providing you as much information as possible concerning your Medicare options, but only a health insurance broker licensed to sell Medicare can help you compare your plan options from various insurance companies. When you’re ready, we recommend you discuss your needs with a YourMedicare.com Licensed Sales Agent.