My application is still pending and another one got rejected. Where do I find the reason and how do I fix it?
An enrollment denial must come with written notice explaining the specific reason, and that notice has to go out within 10 calendar days of either the enrollment request or the deadline for missing information — check that notice for the stated reason. To fix it, the remedy depends on why it was denied: if it's because information was missing, you generally have a limited window to submit it before denial becomes final; if it's ineligibility or a closed enrollment period, a new valid election period would be needed.
What the rule says
“The plan must send notice of the denial to the individual that includes an explanation of the reason for denial (see MA Exhibit 7 or Part D Exhibit 6).”
This applies to the pending-turned-denied enrollment. On timing of that notice:
“This notice must be sent within 10 calendar days of either: 1) receipt of the enrollment request, or 2) expiration of the time frame for receipt of requested additional information.”
Common reasons for denial include:
“An individual is determined ineligible to enroll in the plan (see § 20 on eligibility criteria).”
“The individual fails to provide the information within the required time frames outlined in § 50.3.”
If the denial was for incompleteness, the guidance explains the fix and deadline:
“The plan must explain to the individual that they have 21 calendar days in which to submit the missing information, or the enrollment will be denied.”
For the still-pending application, the plan owes a notice of acceptance or denial:
“The PDP sponsor must provide the individual with prompt notice of acceptance or denial of the individual's enrollment request, in a format and manner specified by CMS.”
This relies on the CY 2027 enrollment guidance, which applies to enrollment requests received on or after January 1, 2027.
The specific reason for your client's denial, and whether the 21-day cure window still applies, would depend on facts not in these excerpts (the exact denial basis and dates involved).
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 24, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.