How Long Does an Insurance Appeal Take?

Insurance appeal timelines depend on the type of appeal, your plan, and state regulations. Federal law sets maximum timeframes that insurers must follow.

Standard Appeal Timelines

Appeal Type	Decision Deadline
Pre-service (before treatment)	30 days
Post-service (after treatment)	60 days
Urgent/expedited	72 hours
External review	45 days (standard), 72 hours (expedited)

Factors That Affect Timeline

Plan type: Self-funded ERISA plans follow federal timelines; fully-insured plans may follow stricter state rules
Complexity: Some appeals involving independent medical review take longer
Your responsiveness: Delays in providing requested documentation extend the timeline
State laws: Some states require faster decisions than federal minimums

How to Speed Up Your Appeal

Submit complete documentation upfront — missing records cause delays
Request an expedited review if your health is at serious risk
Follow up in writing every 7-10 days
Ask for the specific reviewer's name and contact information
Set calendar reminders for every deadline

Need Help Writing Your Appeal?

Our AI-powered tool analyzes your denial letter and generates a personalized appeal in minutes. Upload your denial and get started for free.

Start Your Free Appeal

Frequently Asked Questions

What happens if the insurer misses the deadline?

If your insurer fails to decide within the required timeframe, the claim is considered denied by default in most states, which allows you to immediately proceed to external review.

Can I request an expedited appeal?

Yes. If your condition is urgent — meaning a delay could jeopardize your life, health, or ability to regain maximum function — you can request expedited review. The insurer must decide within 72 hours.