How to Appeal an Aetna Insurance Denial

Aetna (a CVS Health company) is one of the largest health insurers in the United States. Aetna processes appeals through their dedicated appeals department. Like many large insurers, Aetna uses automated claim processing systems that can result in denials that don't reflect the actual clinical situation.

Appeal Address

Aetna Appeals, P.O. Box 14463, Lexington, KY 40512-4463

Appeal Phone

1-800-756-7039

Timely Filing

90 days

Appeal Deadline

180 days from denial

Common Aetna Denial Patterns

  • Frequently downcodes E&M visit levels without chart review
  • Bundles chiropractic and physical therapy services aggressively
  • Requires AT modifier on chiropractic claims
  • Known for applying UCR reductions below contracted rates

Common Denial Types from Aetna

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