nx_medbill_appeal.nx

nx_medbill_appeal.nx -- M-ADV2 of the MEDICAL BILLING & PATIENT ADVOCACY ladder: INSURANCE DENIAL INTERNAL-APPEAL letter with computed DEADLINES. Plans must give claimants a full and fair review of an adverse benefit determination; appeals may generally be filed within 180 days of the denial notice, and an upheld denial can proceed to independent EXTERNAL REVIEW. This organ computes the 180-day deadline with exact integer calendar math (civil-days algorithm, leap-safe) and renders a reason-specific appeal letter (1=not medically necessary, 2=experimental/investigational, 3=out-of-network, 4=prior authorization missing, 5=coding error). FAIL-SAFE: caller buffer only, placeholders keep member identity out of the tool, nothing is ever sent. license_tier: ORIGINAL