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]