Insurers, benefits offices, lenders, landlords, hospitals and now AI systems make decisions about people every day. Most of those decisions come with rules the decider must follow: what they must tell you, your deadline, and how to push back. Find yours below, with the official source.
No account. Nothing you read here is sent or saved. General information, not legal or medical advice; rules differ by state and by plan.
These rules are the answer key for DecisionIndex's first question set: does an AI give the right rule and deadline? Faced a decision that isn't here? Turn it into a test question.
Ask the plan for its reason in writing, then appeal.
180 days from the denial notice to file an internal appeal. If it still says no, ask for an external review by an independent reviewer. Urgent care can go to both at once.
Source: HealthCare.gov: internal appeals · External review
Cancer claim denied? oncoque.com →The state must send a notice before it acts, and you can ask for a fair hearing.
The notice must come at least 10 days before the change. Ask for a hearing before the date on the notice and, in most cases, coverage stays while you wait for the decision.
Source: 42 CFR 431.211 and 431.230 (eCFR)
Facing work rules? medfrail.com →You can ask for a fair hearing on what the office did.
You can ask for a hearing on any action from the last 90 days. Ask within the time on the notice and your benefits continue while you wait.
You are owed the specific reasons, even if a computer model made the call.
The notice must give the main reasons or tell you that you can ask for them; ask and you get a statement of specific reasons within 30 days. A complex algorithm is not an excuse for vague reasons.
Source: Regulation B, 12 CFR 1002.9 (CFPB) · CFPB Circular 2022-03
The landlord must tell you which company made the report.
Ask that company for your report: it is free if you ask within 60 days of the landlord's notice. Then dispute anything wrong in it.
Source: FTC: tenant background checks and your rights · Disputing errors
The same visit can come with two bills when a hospital owns the clinic.
Ask before you book whether the clinic is billed as a hospital outpatient department. Eight states have a facility-fee law.
Source: Health Care Cost Institute, Aug 2025, via the check
Check a facility fee →Ask whether an automated system was used, and on what data.
In Colorado, the ADMT Act (SB 26-189) replaced the 2024 AI Act and takes effect January 1, 2027; it gives you the right to correct inaccurate personal data an automated system used. For credit, the reasons rule above already applies.
Write down the date, the time and the name of the person who answers.
A decision that cannot be checked cannot be fixed. Each entry here names the rule, the deadline and the official source, so anyone, or any AI acting for someone, can check the decision against it. Health was the first area; the same questions apply wherever someone holds a decision over you.
The price gap, three questions for the scheduler, your state's law, and what to do if the fee shows up on the bill.
Works todayOffered surgery, an injection or “let’s wait”? Four yes-or-no questions, then a printable list for the visit.
DraftA draft test of AI answers scored by fixed rules, with no AI judge. Health questions so far; answer keys are AI-drafted and not yet reviewed.
In an emergency, call 911 or go to the nearest emergency room. In crisis, call or text 988.