Sources and last-verified dates
Facts on this site come from these public pages. If a source changes, the page that cites it may be out of date; we re-check on a schedule.
- U.S. Department of Labor (EBSA): Understanding Your Mental Health and Substance Use Disorder Benefits (last verified 2026-10-20)
- HealthCare.gov: Getting prescription medications (last verified 2026-10-20)
- CMS: Medicare Part D exceptions (last verified 2026-10-20)
- HealthCare.gov: Internal appeals (last verified 2026-10-20)
- HealthCare.gov: External review (last verified 2026-10-20)
- U.S. Department of Labor (EBSA): Filing a Claim for Your Health or Disability Benefits (last verified 2026-10-20)
- U.S. Department of Labor (EBSA): Filing a Claim for Your Health Benefits (last verified 2026-10-20)
- eCFR: 29 CFR 2560.503-1, Claims procedure (not re-verified 2026-10-18 (automated check not permitted or not completed))
- CMS: Coverage Appeals Job Aid (last verified 2026-10-20)
- KFF: State External Appeals Review Processes (last verified 2026-10-20)
- KFF: Claims Denials and Appeals in ACA Marketplace Plans in 2024 (last verified 2026-10-20)
- NAIC: How Do I File a Complaint Against My Insurance Company? (not re-verified 2026-10-18 (automated check not permitted or not completed))
- NAIC: Insurance Departments (state directory) (not re-verified 2026-10-18 (automated check not permitted or not completed))
- NAIC: How to Appeal Denied Claims (PDF) (not re-verified 2026-10-18 (automated check not permitted or not completed))
- North Carolina DOI: Medical Appeals Tool Kit (last verified 2026-10-20)
- Medicare.gov: Filing an appeal (last verified 2026-10-20)
- Medicare.gov: Appeals in Original Medicare (last verified 2026-10-20)
- Medicare.gov: Appeals in Medicare health plans (last verified 2026-10-20)
- CMS: First Level of Appeal, Redetermination by a Medicare Contractor (last verified 2026-10-20)
- CMS: Reconsideration by the Medicare Advantage (Part C) Health Plan (last verified 2026-10-20)
- eCFR: 42 CFR 438.402, Medicaid managed care appeals (not re-verified 2026-10-18 (automated check not permitted or not completed))
- MACPAC: Denials and Appeals in Medicaid Managed Care (PDF) (last verified 2026-10-20)
- CMS: Consumer Assistance Program directory (last verified 2026-10-20)
- CMS: Call the No Surprises Help Desk (last verified 2026-10-20)
- NBC News: 7 ways to fight back after your prior authorization is denied (last verified 2026-10-20)
- Texas DOI: How to get help with a homeowners or renters insurance complaint (not re-verified 2026-10-18 (automated check not permitted or not completed))
- Connecticut Insurance Department Bulletin IC-37 (contractual limitations period) (last verified 2026-10-20)
- Arizona DIFI: Know when to submit an appeal versus a complaint (not re-verified 2026-10-18 (automated check not permitted or not completed))
- Arizona DIFI: File a Complaint Against an Insurance Entity (not re-verified 2026-10-18 (automated check not permitted or not completed))
- Arizona DIFI: How can I file an insurance complaint in Arizona? (not re-verified 2026-10-18 (automated check not permitted or not completed))
- Alabama DOI: File a complaint (last verified 2026-10-20)
- Kansas Insurance Department: Complaint Index, 2025 Report (PDF) (not re-verified 2026-10-18 (automated check not permitted or not completed))
- Heimeshoff v. Hartford Life & Accident Ins. Co., 571 U.S. 99 (2013) (not re-verified 2026-10-18 (automated check not permitted or not completed))
- United Policyholders: 50 State Survey of Bad Faith Laws and Remedies (PDF) (last verified 2026-10-20)
- Squaremouth (travel insurance comparison site): What to do if your claim was denied (last verified 2026-10-20)
- FTC: Endorsement Guides, what people are asking (last verified 2026-10-20)
State complaint pages are listed in the state directory, each with its own verification date.