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Michigan external review
External review (DIFS)File within 127 days
Michigan's DIFS accepts external review requests within 127 days of the final internal denial — one of the tighter state windows, so move quickly.
Who to contact
MI Department of Insurance and Financial Services (DIFS)1-877-999-6442
What to know
- 127 days from final adverse determination — shorter than most states.
- Expedited review if your health is at immediate risk.
Not legal or medical advice. Coverage Rights is a self-help tool that helps you prepare your own appeal. For advice about your specific situation, talk to a licensed attorney or your doctor.