Brown & Brown
How to appeal a denial from this carrier, with deadlines, portals, and common denial patterns.
Brown & Brown denials follow a predictable pattern — and most of them are appealable. We track the specific reasons Brown & Brown most commonly cites, what's worked to overturn them, and which federal and state protections apply. If you're appealing a Brown & Brown denial, this is your starting line.
Appeal process
Internal appeal to Brown & Brown must be filed within 180 days of the denial notice. Brown & Brown has 30 days to decide standard appeals, 72 hours for urgent. After internal exhaustion, external review by an Independent Review Organization is available for non-grandfathered plans under ACA §2719.
Frequently asked questions
How do I appeal a Brown & Brown denial?
File an internal appeal in writing within 180 days of the denial. Brown & Brown has 30 days to decide standard appeals (72 hours for urgent). After internal exhaustion, request external review by an Independent Review Organization (IRO) — federal law requires this for non-grandfathered plans (ACA §2719).
Which federal regulations apply to Brown & Brown appeals?
Depends on plan type: ERISA §503 + ACA §2719 for commercial/employer plans, 42 CFR Part 422 Subpart M for Medicare Advantage, 42 CFR Part 438 Subpart F for Medicaid managed care.
Other Third-party administrator
Appeal a Brown & Brown denial
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