By state / Connecticut

Connecticut

Regulator

Connecticut Insurance Department / Office of the Healthcare Advocate

External review

State-run. Request it through the regulator after the plan's final internal denial; the federal floor is 4 months (45 CFR 147.136).

Published reversal rate

0.8% of reviews reversed the plan (2024) · source

Notes

Healthcare Advocate office reports denials resolved/overturned in patient's favor ~80% of cases. Counts include both formal IRO reversals and pre-decision insurer concessions after advocate involvement. CT total denial rate among largest insurers was 14% in 2024.

Before external review

File the plan's internal appeal first (at least 180 days for ACA-compliant plans; the letter states the date). Ask for the claim file and the criteria the plan applied; both are free on request. Self-funded employer plans use the federal external review and the U.S. Department of Labor, not the state.

More on Connecticut: state appeal rights · External Review Index entry · insurer denial rates (HealthCare.gov states).

Verified 2026-09-15. The regulator's site and your denial notice control.