If you are enrolled in an ACA-compliant plan, you will have at least 180 days (six months) after being notified of your insurer’s decision to file an internal appeal (with your insurer). Your insurer is required to inform you of their decision within 30 days for a service you have not yet received, and within 60 days for a service that was already provided. If both your request and appeal are denied by your insurance company, you can request an external review. The “Explanation of Benefits” (EOB) form that you get from your plan must provide you with information on how to file an internal appeal and request an external review. If you have employer-sponsored coverage and the plan is “fully-insured,” you can get help filing an appeal from your state’s department of insurance. If you don’t know whether your plan is fully-insured, ask your employer. Your state may have a program specifically to help with appeals. This chart explains the appeals process depending on your situation and health.