For families — Medicare Advantage coverage denials
Your plan said no. You still have appeal rights.
When Medicare Advantage skilled-nursing denials from the largest plans were appealed, 95% were overturned(HHS Office of Inspector General, OEI-09-24-00331, June 2026). Most families never appeal. Don't let the deadline decide for you.
If it says “Notice of Medicare Non-Coverage” (NOMNC) — coverage ending on a stated date — you may have only until NOON THE DAY BEFORE coverage ends. Call the QIO phone number printed on the notice now. That call is free and starts a fast appeal.
Your options for a standard denial letter
Your State Health Insurance Assistance Program (SHIP) gives free, unbiased, one-on-one Medicare counseling: shiphelp.org · Or call Medicare any time: 1-800-MEDICARE (1-800-633-4227).
Every denial notice must explain how to appeal it. You generally have 65 days from the notice date. Write why the care is medically necessary, attach records, and send it to the appeal address on the notice. Keep copies of everything.
Upload the denial letter at recourse.health. Reading your drafted appeal letter is free. If you choose, we prepare the full packet, verify it against your documents, and mail it certified with tracking — then receive the plan's decision as your appointed representative and tell you what it means. Currently for UnitedHealthcare and Humana skilled-nursing and rehab denials.