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State external review

External review, state by state.

Every state gives you a way to have a denied claim read again by clinicians who do not work for your plan, each with its own regulator, form and deadline. Find yours. General information, not legal or medical advice.

All 50 states and the District of Columbia

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutCTDelawareDEDistrict of ColumbiaDCFloridaFLGeorgiaGAHawaiiHIIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMDMassachusettsMAMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNHNew JerseyNJNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandRISouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVTVirginiaVAWashingtonWAWest VirginiaWVWisconsinWIWyomingWY
What these pages cover

The step after your plan says no twice.

  1. Who runs external review where you live.The regulator that takes the request, with a link straight to its official page.
  2. What the clock looks like.Where we have read the window off the regulator's own page, we state it and say so. Where we have not, we say that instead of guessing, because a wrong deadline could cost you the appeal.
  3. The self-funded employer plan exception.Plans that pay claims out of the employer's own funds follow federal ERISA rules rather than state ones, and every state page explains what that changes.
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Cove Health provides advocacy services. Information on this site is general information, not legal or medical advice. Cove Health is not a law firm and does not provide legal representation, and submission of records does not guarantee a particular outcome.