Samuel Salganik, an attorney at Community Health Advocates of the Community Services Society (CSS) wrote this incredibly thorough article breaking down the types of appeal rights available to individuals covered by the various types of private health insurance plans in New York.  This article includes coverage of the changes to patient protections wrought by the Affordable Care Act (ACA).

The article was originally published in the Winter 2012 edition of the New York State Bar Association Health Law Journal.

Some notations were added to the article on pp. 32 and 37 to indicate 2020-21 changes in NYS law affecting some of the rights described in the article.  Information provided by  CSS Community Health Advocates,