Kansas

Regulator: Kansas Insurance Department
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: 0.54% of reviews reversed the plan (2024) · source
Notes: ~54% overturn rate cited by NBC News (2025) attributing to Kansas Department of Insurance covering data since 2018. Cumulative period rate; not single-year. Department publishes Independent Medical Review program at: https://insurance.ks.gov/documents/department/publications/independent-medical-review.pdf

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 Kansas: 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.