Maryland

Regulator: Maryland Insurance Administration (MIA)
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: 0.668% of reviews reversed the plan (2024) · source
Notes: MIA reversed or modified the carrier's grievance decision 66.8% of the time in 2024, per MIA's 2024 Health Care Appeals and Grievance Law Report. Down 2.9 pts from prior year. Note: this is MIA's complaint-handling reversal rate, broader than IRO-only external review. Source PDF identified.

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 Maryland: 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.