The Plan Said No Twice. There Is Another Level Above It
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LIMIT FIRST: This is a preparation aid, not medical, legal or insurance advice. It cannot force a payer to pay, guarantee an appeal outcome, or tell you which care is right for you.
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Cost and free path
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Rule status (mixed route): Status, 2026-10-03: Medicare Advantage reconsideration, independent review, and the levels above them are in force; deadlines run from the notice, and HHS OIG's audit found most appealed prior-authorisation denials were overturned.
Automated decision this documents: Medicare Advantage coverage determination and appeal review
Free path, in order (no cost):
Your State Health Insurance Assistance Programme (SHIP) — free, trained, and independent
Medicare's own claims and appeals guidance and forms
LawHelp.org for free legal aid on a benefits appeal
What this cannot do: It cannot force a payer to pay, guarantee an appeal outcome, or tell you which care is right for you.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
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This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
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