denial_clock

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One call for a denied US health-insurance claim: both free appeal clocks with your actual dates where they can be computed, which external-review route applies (state, federal, or the federal one regardless of your state because the plan is self-funded), what the CMS file records for external reviews filed and overturned in that state and for that insurer — or 'not reported' where the file does not carry it — the insurer's own published appeal procedure where we have read it, and your state insurance department's consumer line with the date we read it from their own site. Free, no key, attribution required. Source: CMS Transparency in Coverage Public Use File (PY2026 release), 45 CFR 147.136.