Every payer. The exact path to overturn.
Public-facing reference for every major commercial payer Denial OS handles. Appeal addresses. Fax numbers. Response deadlines. Win-likely denial codes. The internal modifier rebuttals stay paywalled — but everything you need to find your way to the right inbox is right here.
Anthem Blue Cross
Anthem Blue Cross of California (Blue Cross of California)
- First-level response: 30 days
- Provider window: 365 days
- Fax · Portal · Mail
Blue Shield of California
California Physicians' Service d/b/a Blue Shield of California
- First-level response: 45 days
- Provider window: 365 days
- Fax · Portal · Mail
Aetna
Aetna Health, Inc. / Aetna Life Insurance Company
- First-level response: 60 days
- Provider window: 180 days
- Fax · Portal · Mail
UnitedHealthcare
UnitedHealthcare Insurance Company / United HealthCare Services, Inc.
- First-level response: 30 days
- Provider window: 365 days
- Fax · Portal · Mail
Cigna Healthcare
Cigna Healthcare / Cigna Health and Life Insurance Company
- First-level response: 30 days
- Provider window: 180 days
- Fax · Portal · Mail
Humana
Humana Insurance Company / Humana Health Plan, Inc.
- First-level response: 60 days
- Provider window: 365 days
- Fax · Portal · Mail
Centene Corporation
Centene Corporation (incl. Ambetter Health, Wellcare, and state Medicaid managed care affiliates)
- First-level response: 30 days
- Provider window: 180 days
- Fax · Portal · Mail
Blue Cross and Blue Shield of Texas
Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company
- First-level response: 30 days
- Provider window: 180 days
- Fax · Portal · Mail
Kaiser Permanente
Kaiser Foundation Health Plan, Inc. (and Kaiser Foundation Health Plan of California, Inc. for the California region)
- First-level response: 45 days
- Provider window: 365 days
- Fax · Portal · Mail
Medicare Advantage (umbrella)
Medicare Advantage Organization (umbrella playbook for MA-PD and MA-only plans not specifically encoded by carrier)
- First-level response: 60 days
- Provider window: 60 days
- Fax · Mail