Claims recovery, appeals, disputes and grievances, Oxford Commercial Supplement - 2022 UnitedHealthcare Administrative Guide

See Claim reconsideration and appeals process found in Chapter 10: Our claims process for general appeal requirements.

Claims submission and status

To submit a claim, or verify the status of a claim, use any method outlined in the How to Contact Oxford Commercial section in this chapter.

Expand All add_circle_outline

The following information applies to health care providers but does not apply to facilities or ancillaries.

Oxford periodically asks health care providers to return overpayments due to either:

  • Administrative reasons: Duplicate payments, payments relating to fee schedules or billing/bundling issues, payments made where Oxford was not the primary insurer.
  • Behavioral issues: Upcoding, misrepresentation of service provided, services not rendered at all, frequent waiver of member financial responsibility.

Oxford may pursue such claim overpayments as permitted by law and following the applicable statute of limitations (usually 6 years). We use random sampling, examination by external experts and reliable statistical methods to determine claim overpayments in situations involving large volumes of potentially overpaid claims.

Note: Once a health care provider is given notice, we initiate discussions and take action during the following 1 year period.

We do not pursue collection of overpayments from individual participating health care providers when overpayments are identified as isolated mistakes or where the health care provider is not at fault if the overpayments were more than 1 year before the date of notice of the overpayment or use extrapolation. Examples include overpayments related to duplicate claims, fee schedule issues, isolated situations of incorrect billing/unbundling and claims paid when Oxford was not the primary insurer.

Exception: Oxford will pursue collection of overpayments beyond 1 year and use statistical methods and extrapolation in situations where:

  1. Oxford has a reasonable suspicion of fraud or a sustained or high level of billing errors related to:
    • Extensive or systemic upcoding.
    • Unbundling.
    • Misrepresentation of services or diagnosis.
    • Services not rendered.
    • Frequent waiver of member financial responsibility.
    • Misrepresentation of health care provider rendering the services or licensure of such health care provider, and similar issues.
  2. A health care provider affirmatively requests additional payment on claims or issues older than 1 year.
  3. CMS makes a retroactive change to enrollment or to primary versus secondary coverage of a Medicare benefit plan member.

Our administrative procedures for members with an Oxford product require facilities, and health care providers participating in our network, to file a claim reconsideration and/or appeal before proceeding to arbitration under their contract.

See Claim reconsideration and appeals process found in Chapter 10: Our claims process for general reconsideration requirements and submission steps. Continue below for Oxford-specific requirements.

1. Pre-Appeal Claim Review

Before requesting an appeal determination, contact us, verbally or in writing, and request a review of the claim’s payment. We make every effort to clarify or explain our actions. If we determine that additional payment is justified, we reprocess the claim and remit the additional payment.

2. Who May Submit a Reconsideration or Appeal

  • Participating health care providers appealing a decision on their own behalf, according to the terms of their Agreement with us.
  • Any health care provider or practitioner when appealing on behalf of the member, with signed member consent. You must follow the process for member administrative claims appeals. Refer to the Member Administrative Grievance & Appeal (Non UM) Process & Timeframes policy at > For Commercial Plans > UnitedHealthcare Oxford® Clinical, Administrative and Reimbursement Policies.  

3. Time frame for Submitting a Reconsideration or Appeal

  • Claim Reconsideration and Appeal Process If you disagree with the way a claim was processed, or need to submit corrected information, you must file your reconsideration and/or appeal request of an administrative claim determination within 12 months (or as required by law or your Agreement) from the date of the original EOB or PRA. You must include all relevant clinical documentation, along with a Participating Provider Review Request Form.
    The 2-step process described here allows for a total of 12 months for timely filing – not 12 months for step 1 and 12 months for step 2. If an appeal is submitted after the time frame has expired, Oxford upholds the denial.
    Exceptions: There are separate processes for New Jersey Participating Providers and Unilateral Coding Adjustments for New York Hospitals. Refer to the New Jersey Participating Provider Appeal Process and Unilateral Coding Adjustments for New York Hospitals sections for additional information.
    • Step 1 – Reconsideration Level: The request must include the Claim Reconsideration Form located on > Submit a Claim Reconsideration and all supporting documentation. If after reconsideration, we do not overturn our decision, the EOB or response letter includes next-level rights and where to submit a request for further review.
    • Step 2 – Appeal Level: Participating health care provider and practitioner appeals must be submitted in writing within the same 12 month time frame. The appeal must include all relevant documentation, including a letter requesting a formal appeal and a Participating Provider Review Request Form. If the appeal does not result in an overturned decision, the health care provider must review their contract for further dispute resolution steps.
  • New Jersey Participating Provider Appeal Process
    New Jersey (NJ) participating health care providers are subject to the NJ state-regulated appeal process. If a NJ participating health care provider has a dispute relating to payment of a claim involving a NJ commercial member, the dispute is eligible for an individual 2-step process.
    • First Level: The first-level appeal is made through Oxford’s internal appeal process. A written request for appeal must be submitted by the Health Care Provider Application to Appeal a Claims Determination Form created by the NJ Department of Banking and Insurance. This appeal must be submitted within 90 days of the date on Oxford’s initial determination notice to:
      • UnitedHealthcare
        Attn: Provider Appeals
        P.O. Box 31387
        Salt Lake City, UT 84131
      • We conduct the review and communicate the results to the health care provider in a written decision within 30 calendar days of receipt of all material necessary for such appeal.
    • Second Level: The second-level appeal must be made through the external dispute resolution process. If a NJ participating health care provider completed the internal appeal process and is not satisfied with the results of that internal appeal, the health care provider has the right under their contract to arbitrate the dispute with Oxford. Health care providers should submit their request to:

Attn: New Jersey PICPA 
50 Square Drive, Suite 210
Victor, NY 14564

Requests may be submitted by fax to 1-585-425-5296. (MAXIMUS, Inc. requests that faxes be limited to 25 pages.)

Consult your contract to determine the appropriate arbitration authority. Most such contracts provide for arbitration before the American Arbitration Association (AAA). The costs of arbitration are borne equally by the participating health care provider and Oxford, unless the arbitrator determines otherwise. The decision in such arbitration depends on the participating health care provider and Oxford, pursuant to the terms of the Agreement. To commence arbitration, the health care provider must file a statement of claim with the AAA.

  • Unilateral Coding Adjustments for New York Hospitals
    If a New York hospital receives a remittance advice/payment indicating that Oxford adjusted payment based on a particular coding (i.e., assignment of diagnosis and or CPT/HCPCS or other procedure code), the hospital has the right to resubmit the claim, along with the related medical record supporting the initial coding of the claim, within 30 days of receipt/notification of payment. Oxford must review the medical records within the normal review time frames (45 days). If Oxford’s initial determination:
    • Remains unchanged, the insurer’s decision must be accompanied by a statement providing the specific reasons why the initial adjustment was appropriate.
    • Changes, and the payment is increased based on the information submitted by the hospital, Oxford must provide the additional reimbursement within the 45-day review time frame.

If Oxford fails to provide the additional reimbursement within the 45-day review time frame, Oxford must pay to the hospital interest on the amount of the increase. The interest must be computed from the end of the 45-day period after resubmission of the additional medical record information.

Note: Neither the initial or subsequent processing of the claim by Oxford may be considered an adverse determination if it is based solely on a coding determination.

4. Method for Submitting a Reconsideration or Appeal

Find the correct mailing address on Oxford’s Participating Provider Claim(s) Review Request Form. There are separate processes for the following appeal types:

  • Internal and external claims payment appeals for NJ participating health care providers who treat NJ commercial members.
  • The appeal of unilateral coding adjustments made to New York hospital claims.

5. Appeal Decision and Resolution

Full documentation of the substance of the appeal and the actions taken will be maintained in an appeal file (paper or electronic). Written notification to the health care provider is issued by means of a letter or updated Remittance Advice (RA) statement at the time of determination of the appeal. This decision constitutes Oxford’s final internal decision. If the health care provider is not satisfied with Oxford’s decision, they may arbitrate the issue as set forth in their contract with Oxford. Refer to the Timeframe Standards for Benefit Administrative Initial Decisions policy at > For Commercial Plans > UnitedHealthcare Oxford® Clinical, Administrative and Reimbursement Policies.

6. Arbitration

If the health care provider wants to file for arbitration after the first-level appeal has been completed, the health care provider must follow the terms of their participation agreement and file a statement of claim with the AAA at the following address:

American Arbitration Association
Northeast Case Management Center
950 Warren Avenue 4th Floor
East Providence, RI 02914
Phone: 1-800-293-4053

Health care providers located outside of New York, New Jersey and Connecticut should refer to the AAA website at for submission guidelines.

  • Participating health care providers appealing an adverse determination are entitled under their health care provider contract to bring the issue before the AAA consistent with the terms of their provider agreement. They have this right only under the following circumstances:
    • The first-level internal grievance process has been completed.
    • The appeal is on their own behalf (not on behalf of the member).
  • Participating hospitals and ancillary facilities also have arbitration rights, but those rights vary depending on contracts. If a hospital or ancillary facility calls to inquire about arbitration rights, they should be referred to their contract for the specific arbitration entity. Hospitals and ancillary facilities still must use the first-level internal appeal process.

For participating health care providers and other health care professionals treating New York members, this external appeals process applies only to services provided to commercial members who have coverage by virtue of an insurance benefit plan licensed in the state of New York. 

This appeals process does not apply to the self-funded line of business. Health care providers may use this process to appeal concurrent and retrospective utilization review decisions. Other external appeals require written consent from the member. In connection with retrospective decisions, if the health care provider’s Agreement includes arbitration language or alternate dispute language, the health care provider must follow that process. The external review process is no longer an option for dispute resolution.

Standard medical necessity appeals process

If members or their designees would like to file an appeal, they must hand-deliver or mail a written request within 180 days of receiving the initial denial determination notice to:

Oxford Clinical Appeals Department
P.O. Box 31388
Salt Lake City, UT 84131

Expedited medical necessity appeals process for members:

  • Members have the right to request an expedited appeal.
  • To request an expedited appeal, the member or health care provider or other health care professional must state specifically that the request is for an expedited appeal.
  • The Clinical Appeals department determines whether or not to grant an expedited request.
  • If the Clinical Appeals department determines the request does not meet expedited criteria set by the Clinical Appeals department, the member is notified.

Appeals of benefit denials issued by the Clinical Services and Disease Management departments are handled by the Clinical Appeals department.

Administrative appeals without the Clinical Services department’s involvement are handled by the Member Appeals unit. If a member would like to file an appeal on a claim determination, they must mail all administrative appeals to the UnitedHealthcare Grievance Review Board. See How to Contact Oxford Commercial section for address information.

Second-level member appeals

Members have the right to take a second-level appeal* to our Grievance Review Board (GRB). If they remain dissatisfied with the first-level appeal determination, they may request a second-level appeal. Members with a Connecticut line of business do not have the option of submitting a second-level appeal request for a benefit or administrative issue. The request for appeal and any additional information must be submitted to the UnitedHealthcare GRB. See How to Contact Oxford Commercial section for address information.

New York, New Jersey and Connecticut members have the right to appeal a medical necessity determination to an external review agent. They may file a consumer complaint with one of the following applicable regulatory bodies. The applicable regulatory body is determined by the state in which the member’s certificate of coverage was issued, not where the member resides.

Expand All add_circle_outline

State of Connecticut Insurance Department
153 Market Street
P.O. Box 816
Hartford, CT 06142-0816

Division of Insurance Enforcement and Consumer Protection
20 West State Street
P.O. Box 329
Trenton, NJ 08625-0329

Consumer Protection Services Dept. of Banking and Insurance
P.O. Box 329
Trenton, NJ 08625-0329
1-800-446-7467 (in NJ)
Fax: 1-609-545-8468

Consumer Services Bureau
State of New York Insurance Department
25 Beaver Street
New York, NY 10004-2349

Office of Managed Care Certification and Surveillance
New York Department of Health
Corning Tower, Room 1911
Empire State Plaza
Albany, NY 12237

UnitedHealthcare immediately removes any health care provider from the network who is unable to provide health care services due to a final disciplinary action.

UnitedHealthcare may not prohibit, terminate or refuse to renew a contract with a health care provider solely for the following:

  • Advocating on behalf of a member
  • Filing a complaint against UnitedHealthcare
  • Appealing a decision made by UnitedHealthcare
  • Providing information or filing a report per PHL4406-c regarding prohibitions
  • Requesting a hearing or review

We grant health care providers and certain health care professionals the right to appeal certain disciplinary actions imposed by us.

The appeals process is structured so most appeals for terminations, not including non-renewal of the health care provider’s contract with us, may be heard before disciplinary action is implemented.

A health care provider or health care professional may request an appeal (fair hearing or review) after we take adverse action to restrict, suspend or terminate a health care provider or health care professional’s ability to provide health care services to our members for reasons relating to the professional competence or conduct that adversely affects or could adversely affect the member’s health or welfare.

A notice is provided within 30 calendar days after the adverse action is taken. It includes the following:

  1. UnitedHealthcare determined an adverse action is necessary, and the final action will be reported to the National Practitioner Data Bank, Healthcare Integrity and Protection Data Bank and appropriate state licensing board.
  2. A description of and reason for the action.
  3. Right to request an appeal in writing within 30 calendar days after receipt of the notice. Failure to file such request shall constitute a waiver of all rights to the appeal process, unless such a right is provided under state law.
  4. A summary of the health care provider’s or health care professional’s appeal rights provided.

We will notify the health care provider or health care professional of the fair hearing or review date within 30 calendar days of our receipt of request for appeal, or within the time frame required by state law. The fair hearing or review takes place within 60 calendar days of the date we receive the request for appeal, or within the time frame required by state law.

The hearing panel will be comprised of at least 3 persons appointed by UnitedHealthcare. At least 1 person on the panel will have the same discipline or same specialty as the health care provider under review. The panel may consist of more than 3 members, provided the number of clinical peers constitutes one-third or more of the total panel membership.

The hearing panel will render a decision in a timely manner. Decisions will be provided in writing and include one of the following:

  1. Reinstatement
  2. Provisional reinstatement with conditions set forth by us
  3. Termination
*In New York, a second-level appeal is not required by us to be eligible for an external appeal.