Your appeal
The claims administrator
Blue Cross Blue Shield
Send it to the appeal address on your denial letter or the back of your card. The filing names who processes claims for this plan.
Health plan & appeal guide
U-haul Holding Company
Self-funded · federal rules
U-haul Holding Company Accident and Health Group Insurance Plan · 12,467 people
Your employer pays the claims from its own money, so federal law (ERISA) applies — not your state’s insurance rules.
How we know · high confidence
- The filing says benefits are paid from the employer's general assets.
- No medical insurance contract is on file (Schedule A).
- Blue Cross Blue Shield is paid to process this plan's claims (Schedule C), the usual setup when an employer pays claims itself.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Send your appeal here
Plan documents, and a copy of your appeal
The plan administrator
OXFORD LIFE INSURANCE COMPANY
ATTN: PLAN ADMINISTRATOR
2721 N CENTRAL AVE
PHOENIX, AZ 85004-1127The plan administrator is legally responsible for the plan. Ask in writing for the Summary Plan Description and the plan document. The plan administrator must send them within 30 days, or a court can add a penalty of up to $110 a day.
Know your deadlines
- Internal appeal to the plan180 days from the denial
- Independent external review4 months from the final denial
Dates you enter stay on this device.
What happens next
File in writing within 180 days of the denial notice. Ask for your complete claim file and the criteria they used. They must give it to you free. They decide within 30 days for care you haven't had yet, 60 days for care you already received.
If they say no again, request external review within 4 months of that final denial. The plan must send it to an independent review organization it contracts with. Some states let self-funded plans use the state's program instead. Your denial letter has to tell you where to send it. A reviewer outside the plan decides, usually within 45 days, and the plan must follow the decision.
If waiting could seriously harm your health, say so in writing. The plan must decide within 72 hours, and you can ask for expedited external review at the same time.
Call the Department of Labor's benefits advisors. They enforce these rules for employer plans and can contact the plan for you, free. After the appeals are finished, a lawyer can sue under ERISA if the denial was wrong.
Get free help
External review covers denials based on medical judgment ("not medically necessary", "experimental"), cancelled coverage, and surprise-billing disputes. A flat plan exclusion usually isn't eligible, but you can still file the internal appeal.
If your plan documents say the plan is "grandfathered" (unchanged since March 2010), the external-review rules may not apply.
Self-funded · federal rules
U-haul Holding Company Stop Loss · 11,957 people
Your employer pays the claims from its own money, so federal law (ERISA) applies — not your state’s insurance rules.
How we know · high confidence
- The filing lists stop-loss insurance (Sunlife Assurance Company Of Canada). Employers buy stop-loss only when they pay claims out of their own money.
- No medical insurance contract is on file (Schedule A).
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Send your appeal here
Your appeal
The claims administrator
Send it to the appeal address on your denial letter or the back of your card. This filing doesn't name the administrator; your card does.
Plan documents, and a copy of your appeal
The plan administrator
OXFORD LIFE INSURANCE COMPANY
ATTN: PLAN ADMINISTRATOR
2721 N CENTRAL AVE
PHOENIX, AZ 85004-1127The plan administrator is legally responsible for the plan. Ask in writing for the Summary Plan Description and the plan document. The plan administrator must send them within 30 days, or a court can add a penalty of up to $110 a day.
Know your deadlines
- Internal appeal to the plan180 days from the denial
- Independent external review4 months from the final denial
Dates you enter stay on this device.
What happens next
File in writing within 180 days of the denial notice. Ask for your complete claim file and the criteria they used. They must give it to you free. They decide within 30 days for care you haven't had yet, 60 days for care you already received.
If they say no again, request external review within 4 months of that final denial. The plan must send it to an independent review organization it contracts with. Some states let self-funded plans use the state's program instead. Your denial letter has to tell you where to send it. A reviewer outside the plan decides, usually within 45 days, and the plan must follow the decision.
If waiting could seriously harm your health, say so in writing. The plan must decide within 72 hours, and you can ask for expedited external review at the same time.
Call the Department of Labor's benefits advisors. They enforce these rules for employer plans and can contact the plan for you, free. After the appeals are finished, a lawyer can sue under ERISA if the denial was wrong.
Get free help
External review covers denials based on medical judgment ("not medically necessary", "experimental"), cancelled coverage, and surprise-billing disputes. A flat plan exclusion usually isn't eligible, but you can still file the internal appeal.
If your plan documents say the plan is "grandfathered" (unchanged since March 2010), the external-review rules may not apply.
Not clear yet
U-haul Holding Company Critical Illness · 2,606 people
The filing doesn’t settle it. One question about your insurance card will.
How we know · low confidence
- No medical insurance contract is on file (Schedule A).
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Is your plan insured or self-funded?
Look at your card or plan summary, or ask HR: “Is our medical plan fully insured or self-funded?”
Send your appeal here
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Know your deadlines
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What happens next
Unlocks after you answer the question above
Get free help
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Not clear yet
U-haul Holding Company Group Accident · 2,256 people
The filing doesn’t settle it. One question about your insurance card will.
How we know · low confidence
- No medical insurance contract is on file (Schedule A).
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Is your plan insured or self-funded?
Look at your card or plan summary, or ask HR: “Is our medical plan fully insured or self-funded?”
Send your appeal here
Unlocks after you answer the question above
Know your deadlines
Unlocks after you answer the question above
What happens next
Unlocks after you answer the question above
Get free help
Unlocks after you answer the question above
Not clear yet
U-haul Holding Company Hospital Indemnity · 310 people
The filing doesn’t settle it. One question about your insurance card will.
How we know · low confidence
- No medical insurance contract is on file (Schedule A).
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Is your plan insured or self-funded?
Look at your card or plan summary, or ask HR: “Is our medical plan fully insured or self-funded?”
Send your appeal here
Unlocks after you answer the question above
Know your deadlines
Unlocks after you answer the question above
What happens next
Unlocks after you answer the question above
Get free help
Unlocks after you answer the question above
Insured · state rules
U-haul Holding Company Health Maintenance Organization (hawaii Only) · 34 people
An insurance company pays the claims, so your state’s insurance rules apply and your state can help overrule a wrong denial.
How we know · high confidence
- Medical insurance bought from Kaiser Permanente is on file, covering about 34 people.
- The filing says all benefits are paid through insurance contracts.
Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.
Send your appeal here
Your appeal
The insurance company on your card
Kaiser Permanente
Send it to the appeal address printed on your denial letter (or the back of your card). Appeals go to the insurer, not your employer.
Plan documents
The plan administrator
OXFORD LIFE INSURANCE COMPANY
ATTN: PLAN ADMINISTRATOR
2721 N CENTRAL AVE
PHOENIX, AZ 85004-1127Ask in writing for the Summary Plan Description and the insurance certificate. Employer plans must send them within 30 days.
Know your deadlines
- Internal appeal to the insurance company180 days from the denial
- Independent external review4 months from the final denial
Dates you enter stay on this device.
What happens next
File in writing within 180 days of the denial notice. Ask for your complete claim file and the criteria they used. They must give it to you free. They decide within 30 days for care you haven't had yet, 60 days for care you already received.
If they say no again, request external review within 4 months of that final denial. It is run by the state where the policy was issued, usually your employer's home state (AZ). The review is usually free. A reviewer outside the plan decides, usually within 45 days, and the plan must follow the decision.
If waiting could seriously harm your health, say so in writing. The plan must decide within 72 hours, and you can ask for expedited external review at the same time.
Get free help
External review covers denials based on medical judgment ("not medically necessary", "experimental"), cancelled coverage, and surprise-billing disputes. A flat plan exclusion usually isn't eligible, but you can still file the internal appeal.
If your plan documents say the plan is "grandfathered" (unchanged since March 2010), the external-review rules may not apply.
Coming next
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