Fair Square Medicare Wordmark

Denied Coverage? What to Do When Your Carrier Says No

Cover image

By Daniel Petkevich

Jul 15, 2025

An overview of what to do when you're denied coverage by carrier for Medicare.

1 Confirm the Denial and the Deadline

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

  • Your plan must send a written notice explaining why it denied the service or drug and how long you have to appeal.

  • For Medicare Advantage or Part D, you now get 65 days from the date on the notice (up from 60).


2 Look for Fix-It-Fast Errors

Billing code swapped? Wrong provider ID? A simple correction from your doctor’s office can flip a denial into an approval without a formal appeal.


3 Gather “Medical Necessity” Ammo

Ask your doctor for progress notes, test results, and a brief letter stating why the service or drug is essential. Strong documentation wins most first-level appeals.


4 File Your Level 1 Appeal Promptly

  • Original Medicare: file a “redetermination” with the Medicare contractor.

  • Medicare Advantage / Part D: file a “reconsideration” with your plan (use its form or submit a letter).

  • Urgent cases—where delaying care risks your health—qualify for an expedited review: plans must respond within 72 hours; standard cases within 7 days starting in 2026.


5 Escalate If Needed

If Level 1 fails, keep climbing:

  1. Independent Review Entity (Maximus)

  2. Office of Medicare Hearings & Appeals (ALJ)

  3. Medicare Appeals Council

  4. Federal court (if the amount at stake is high enough) Each decision letter tells you exactly how and when to move to the next stage.


6 Track Everything

Keep a denial-and-appeal folder: notices, medical records, dates, names, and confirmation numbers. Send appeal packets by certified mail or secure upload so you have proof of receipt.


7 Know Your Backup Options

  • State Health Insurance Assistance Program (SHIP). Free, unbiased help with Medicare appeals.

  • Physician “peer-to-peer” call. Your doctor can speak directly with the plan’s medical director.

  • Plan shopping window. If your Medicare Advantage plan over-denies, you can switch during the Jan 1–Mar 31 Open Enrollment Period.


Key stat: Only about 10 % of Medicare Advantage denials are appealed, yet 83 % of those appeals succeed. Don’t leave money—or care—on the table.


Need a Hand?

Our licensed Medicare advocates can decode your denial and draft an appeal checklist—free of charge. Call 888-376-2028 today.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

Cover image

Turning 65 and Thinking of Keeping COBRA? Here’s Why It Usually Backfires

Jul 15, 2025

Male doctor with his arms crossed stock image

Can Doctors Choose Not to Accept Medicare?

Dec 8, 2022

Cover image

Estimating Prescription Drug Costs

May 25, 2020

Doctor physician consulting with male patient in hospital exam room stock photo

Does Medicare Cover Penile Implant Surgery?

Dec 9, 2022

Arizona desert stock photo

13 Best Ways for Seniors to Stay Active in Phoenix

Mar 6, 2023

Medigap stock image

When Can You Change Medicare Supplement Plans?

Nov 18, 2022

Leg bones and knees, 3d rendering. stock photo

Does Medicare Cover Fosamax?

Nov 30, 2022

Nasal spray stock image

Can Medicare Help with the Cost of Tyrvaya?

Jan 12, 2023

woman in a hospital wearing a bandana being shown information by her doctor stock photo

Medicare Advantage Plans for Disabled People Under 65

Mar 24, 2023

stack of books stock image

Do You Need Books on Medicare?

Apr 6, 2023

Cover image

The Fair Square Bulletin: October 2023

Oct 2, 2023

Medicare Enrollment Periods stock image

Explaining the Different Enrollment Periods for Medicare

Feb 3, 2023

What is the ICEP?

What is the Medicare ICEP?

Apr 7, 2023

Senior man receiving care from an optometrist stock photo

Does Medicare Cover Cataract Surgery?

Dec 22, 2022

Last will and testament stock photo

Does Medicare Pay for Funeral Expenses?

Dec 6, 2022

Hepatitis C stock photo

Does Medicare Cover Hepatitis C Treatment?

Nov 22, 2022

Dames Point Bridge in Jacksonville, Florida stock image

13 Best Ways for Seniors to Stay Active in Jacksonville

Mar 3, 2023

Cover image

Medicare Deductibles Resetting in 2025

Jan 18, 2024

More of our articles

13 Best Ways for Seniors to Stay Active in Indianapolis

14 Best Ways to Stay Active in Charlotte

15 Best Ways for Seniors to Stay Active in Denver

20 Questions to Ask Your Medicare Agent

2024 Fair Square Client Retention and Satisfaction Report

Are Medicare Advantage Plans Bad?

Can I Have Two Primary Care Physicians?

Do I Need to Renew My Medicare?

Do Medicare Supplement Plans Cover Dental and Vision?

Do You Need Medigap if You're Eligible for Both Medicare and Medicaid?

Does Medicare Cover Air Purifiers?

Does Medicare Cover Bladder Sling Surgery?

Does Medicare Cover Boniva?

Does Medicare Cover Cartiva Implants?

Does Medicare Cover Cold Laser Therapy (CLT)?

Does Medicare Cover Cosmetic Surgery?

Does Medicare Cover COVID Tests?

Does Medicare cover Deviated Septum Surgery?

Does Medicare Cover Exercise Physiology?

Does Medicare Cover Geri Chairs?

Does Medicare Cover Hypnotherapy?

Does Medicare Cover Inspire for Sleep Apnea?

Does Medicare Cover Linx Surgery?

Does Medicare Cover Medical Marijuana?

Does Medicare Cover Mental Health?

Does Medicare Cover Ofev?

Does Medicare Cover Oxybutynin?

Does Medicare Cover Ozempic?

Does Medicare Cover Qutenza?

Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?

Does Medicare Cover SIBO Testing?

Does Medicare Cover Stair Lifts?

Does Medicare Cover Vitamins?

Does Medicare Cover Xiafaxan?

Does Medicare Pay for Antivenom?

Does Medicare Pay for Bunion Surgery?

Does Medicare pay for Opdivo?

Explaining IRMAA on Medicare

Gap Health Insurance: The Secret Sidekick to Your High-Deductible Plan

How Are Medicare Star Ratings Determined?

How Can I Get a Replacement Medicare Card?

How Do I Sign up for Medicare? A Simple How-To Guide For You

How Do Medicare Agents Get Paid?

How Do Medigap Premiums Vary?

How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?

How Medicare Costs Can Pile Up

How Much Does a Medicare Coach Cost?

How Much Does a Pacemaker Cost with Medicare?

How Much Does Medicare Part B Cost in 2025?

How Much Does Rexulti Cost with Medicare?

How to Compare Medigap Plans in 2025

How to Deduct Medicare Expenses from Your Taxes

Is Fair Square Medicare Legitimate?

Is HIFU Covered by Medicare?

Medicare 101

Medicare Explained

Medicare Savings Programs in Kansas

The Easiest Call You'll Ever Make

Welcome to Fair Square's First Newsletter

What Does Medicare Cover for Stroke Patients?

What Happens to Unused Medicare Set-Aside Funds?

What If I Don't Like My Plan?

What Is a Medicare Advantage POS Plan?

What Is a Medicare Supplement SELECT Plan?

What Is Medical Underwriting for Medigap?

What Is the Medicare Birthday Rule in Nevada?

What People Don't Realize About Medicare

What to Do When Your Doctor Doesn't Take Medicare

What to Do When Your Doctor Leaves Your Network

What's the Difference Between HMO and PPO Plans?

Why Is Medicare So Confusing?

Why You Should Keep Your Medigap Plan

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M