Quick Answer
Health-insurance appeal rules vary by state. Most states give you 180 days from the denial to file an internal appeal (Florida is shorter at 60 days), after which you can request an external/independent review that is typically binding on the insurer. Pick your state below for its specific deadline, external-review path, and insurance-department complaint process. AppealArmor generates a state-specific appeal letter plus the matching state complaint in about 60 seconds, free.
Last updated: 2026-06-30 · Source: AppealArmor · About the authors
State Appeal Guides
Appeal deadlines, external-review rights, and state insurance-department complaint processes differ by state. Choose yours for a guide with the citations that apply where you live.
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Appeal a denial in California: 180-day deadline, DMHC/CDI complaint, and binding Independent Medical Review.
Internal appeal deadline: 180 days
Appeal a denial in Texas: 180-day deadline, TDI complaint process, and Independent Review Organization rights.
Internal appeal deadline: 180 days
Appeal a denial in Florida: 60-day deadline (act fast), OIR complaint process, and external review rights.
Internal appeal deadline: 60 days
Appeal a denial in New York: 180-day deadline, DFS complaint process, and external appeal rights.
Internal appeal deadline: 180 days
Appeal a denial in Pennsylvania: 180-day deadline, PID complaint process, and external review rights.
Internal appeal deadline: 180 days
Appeal a denial in Illinois: 180-day deadline, DOI complaint process, and external review rights.
Internal appeal deadline: 180 days
Appeal a denial in Ohio: 180-day deadline, ODI complaint process, and external review rights.
Internal appeal deadline: 180 days
Appeal a denial in Georgia: 180-day deadline, OCI complaint process, and external review rights.
Internal appeal deadline: 180 days
Appeal a denial in North Carolina: 180-day deadline, DOI complaint process, and Smart NC external review.
Internal appeal deadline: 180 days
Appeal a denial in Michigan: 180-day deadline, DIFS complaint process, and external review rights.
Internal appeal deadline: 180 days
These 10 states have in-depth guides with state-specific citations. Every other state has a guide below covering your federal appeal rights and your state insurance regulator — start your appeal here.
Every state guide explains the federal appeal and external-review process that applies nationwide, links your state's insurance regulator, and reminds you to confirm your exact deadline. States marked Guide have an in-depth, state-specific write-up.
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