Appeal Deadline Tool
Health Insurance Appeal Deadline Calculator
Filing windows are not standardized across carriers. Select your plan type below, enter your denial date, and we'll show you the deadline where we have a verified rule, or tell you honestly when it varies and you need to check your notice.
Deadline Context
Why deadlines vary by carrier and plan
ERISA sets a federal floor of at least 180 days for most employer-sponsored group health plans, and that's the safest default when you don't know your plan type. But it isn't universal: Medicare Advantage and Part D appeals run on a shorter 65-day federal clock, some state-specific BCBS plans use different windows, and several major carriers don't publish one fixed number at all; their deadline depends on your product, state, and appeal stage. Rather than guess, we only show a specific day count where we've verified one against a current first-party source.
See how ERISA, ACA, and Medicare Advantage rules differ →
This calculator provides estimates based on verified reference points as of July 26, 2026, and is not legal advice. Your plan documents, denial notice, state rules, or carrier-specific procedures control and may differ from the estimate shown.
Eliminating the unpaid labor tax
Stanford and Gallup research indicates that U.S. adults collectively spend roughly 12 million hours per week on the phone with health insurers trying to resolve claims and billing errors. For an individual managing a single chronic condition, this administrative friction can represent an estimated 100 to 500 hours of unpaid labor per year.
The calculator helps protect your filing window. Once you know your remaining timeline, Remedy Support acts as your administrative surrogate, assembling and routing your complete compliance packet so you can reclaim your time.
File Before the Window Closes
Need the packet prepared before your deadline?
Remedy Support assembles eligible medical appeal letters, HIPAA disclosures, authorization forms, and claim evidence into a carrier-ready packet for a flat $49 fee.
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