Your insurer should provide you with a notice of its decision to deny or grant your claim within the following timeframes:

  • 30 days if you have not yet received the requested service or treatment;
  • 60 days if you have received the service or treatment but are waiting for reimbursement;
  • 72 hours if you have requested an expedited internal appeal; and
  • 24 hours if you are receiving treatment and your health insurer seeks to reduce or stop your benefits.[2]