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Procedures

What to do, in order

3 procedures · Deadlines read August 2026

Each of these is a procedure with deadlines. Missing a deadline usually ends the route, so start with the one that matches where you are.

Work out your own dates

If you have the notice in front of you, the appeal deadline calculator counts from the date printed on it and shows the rule and the source behind each date. The questions a denial raises — what the letter has to contain, who sets your appeal rights — are answered on the answers pages. For the vocabulary itself — what an adverse benefit determination is, how a grievance differs from an appeal, which clock a notice of action starts — the glossary quotes the regulation behind each term. And the policy timeline answers a different question: which of the state documents we have read were already in effect on a date you choose.

The four windows, to one scale

These are the outer limits for the four routes on this site. Which one applies to you depends on the plan that denied you — pick it above, or on the denial page.

Sources read August 2026; Medicare Part D — redetermination: October 2026.

  1. Medicare Part D — redetermination65 calendar daysCenters for Medicare & Medicaid Services
  2. Medicaid — fair hearing (federal ceiling)90 days42 CFR §431.221(d)
  3. Commercial or employer — external reviewAbout four monthsHealthCare.gov
  4. Commercial or employer — internal appeal180 daysHealthCare.gov

Each figure is the outer filing limit, not a guarantee — a plan or a state notice can set a shorter one where the rules permit it. Read your notice and contact the plan promptly if its instructions conflict with the published rule.