Denial appeal deadlines
Health insurance denial appeal deadlines in Virginia
If your health insurer denied a claim, you have a limited window to appeal. Here are the deadlines that typically apply in Virginia.
| Stage | Deadline to file | Where it goes |
|---|---|---|
| Internal appeal | 180 days from the denial notice | Back to your insurer |
| External review | 120 days after the internal appeal | Your state Department of Insurance |
| Expedited (urgent care) | Insurer must respond within 72 hours | Available in Virginia |
Values pending verification. These deadlines are synthetic placeholders and have not yet been verified against Virginia statute or regulation. Do not rely on them to file - a missed appeal deadline cannot be undone. Confirm your exact dates on your denial letter and with your insurer.
What to do next
Read your denial letter for the reason code and the appeal address. Then send a written internal appeal before the deadline above. If it's denied again, request an external review. BillComb's free denial decoder reads your letter and gives you the exact date and a plain-English translation at no charge.
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BillComb provides information, not legal or medical advice.