You must file your appeal within days of receiving notice your claim was denied. If you obtained your policy through your employer, then you can usually get this from your Human Resources representative for your current or former employer.
Obama's health care law requires insurance companies to respond within certain timelines: 72 hours if your claim is for urgent care 30 days for treatment you haven't received yet 60 days for treatment you've already received When the insurance company responds, it should list next steps, plus a time frame for additional follow-up or appeals.
Gather your documents If your claim is denied, you should get notice from your insurer, the National Association of Insurance Commissioners said. Once the application is completed and attested, you will need to authorize Aetna to gain access to your enrollment application and other information.
Read your policy Former President Barack Obama's health care law requires health insurers to provide a summary of benefits and coverage to anyone who enrolls in one of their plans. The second is an external appeal conducted by an independent third party. When you appeal, the contents of that claim file will determine the results of the appeal.
The CAQH support desk is available to assist you if you should need help during the process. If all else fails, you may be stuck paying the bill.