Appeal for your medicare advantage Plan doesn’t cover an item or service

How do I appeal a Medicare Advantage plan denial?

Medicare Advantage, you know covers a lot of items and services, like prescription drugs, diabetic test supplies, cardiovascular screenings, and hospital visits. But, what should you do if your plan won’t cost an item or service you need?

You have the right to ask your Medicare Advantage Plan to provide or pay for items or services you think should be covered, provided, or continued. To resolve these differences with your plan, we are here to help you learn how to file an appeal and you can always contact us.

How do I appeal a Medicare Advantage decision?

Here is a guide on how to appeal for your medicare advantage plan if it does not cover an item or service that you believe should be covered. Here are the steps you can take to file an appeal:

  • Review your plan documents: Before filing an appeal for your medicare advantage, you should carefully review your plan documents to understand what is covered and what is not covered. You can find this information in your plan’s Evidence of Coverage (EOC) and Summary of Benefits (SB). If you still have questions or are unsure about what is covered, you can contact your plan directly for assistance.
  • Gather documentation: If you believe that an item or service should be covered by your Medicare Advantage plan, you will need to gather documentation to support your appeal. This can include medical records, a letter from your doctor, and any other relevant documents.
  • Contact your plan: If you have reviewed your plan documents and gathered the necessary documentation, the next step is to contact your plan to request an appeal. You can do this by calling the customer service number on the back of your insurance card, or by submitting a written request.
  • Submit your appeal: When you submit your appeal for your medicare advantage, make sure to include all relevant documentation and explain why you believe the item or service should be covered. Your plan will review your appeal and make a determination.
  • Wait for a decision: After you have submitted your appeal, you will need to wait for a decision from your plan. This decision should be provided to you in writing, and will explain why the item or service was approved or denied.
  • Request a reconsideration: If your appeal for your medicare advantage is denied, you can request a reconsideration. This means that your case will be reviewed by a different person or team within your plan. You will need to submit additional documentation or information to support your request for reconsideration.
  • Contact an advocacy organization: If you are having trouble filing an appeal or need additional support, you can contact an advocacy organization for assistance. These organizations can provide guidance on the appeals process and help you navigate any challenges you may encounter.


Filing an appeal if your Medicare Advantage plan does not cover an item or service can be a complicated process. However, by following these steps and gathering the necessary documentation, you can increase your chances of a successful appeal. Remember to be persistent and don’t hesitate to seek help from an advocacy organization if needed.

Additional things to keep in mind when filing an appeal:

How to win a medicare appeal

  • Be aware of deadlines: Your plan will have specific deadlines for submitting appeals, and it’s important to adhere to these deadlines to ensure that your appeal is considered. You should also be aware of the deadline for requesting a reconsideration if your initial appeal is denied.
  • Consider the level of appeal: Depending on the type of appeal for your medicare advantage you are filing, there may be different levels of appeal available to you. For example, if you are appealing a coverage decision, you may be able to request an expedited or fast appeal if you believe your health is at risk. It’s important to understand the different levels of appeal and which level is appropriate for your situation.
  • Keep detailed records: Throughout the appeals process, it’s important to keep detailed records of all communications with your plan, including phone calls, emails, and letters. This can be helpful if you need to reference past conversations or provide evidence of your efforts to resolve the issue.
  • Be persistent: Filing an appeal for your medicare advantage can be a frustrating and time-consuming process, but it’s important to be persistent and advocate for yourself. If your appeal is denied, don’t be afraid to request a reconsideration or seek assistance from an advocacy organization. You have the right to appeal decisions that you believe are incorrect.
  • Know your rights: As an appeal for your medicare advantage enrollee, you have certain rights when it comes to appealing coverage decisions. These rights are outlined in your plan documents and include the right to an explanation of benefits, the right to file an appeal, and the right to representation by a person of your choice.


In summary, filing an appeal if your Medicare Advantage plan doesn’t cover an item or service can be a complex process, but by being aware of your rights, understanding the process, and staying persistent, you can increase your chances of success. If you’re unsure about any aspect of the appeals process, don’t hesitate to reach out to your plan or an advocacy organization for assistance.