Free · No signup · You check every detail
Upload your denial. You check every detail we read from it, and we draft your appeal — with the federal appeal rules for your plan, who to copy, and your filing deadline. Built by an AI researcher who got tired of fighting denials by hand.
🔒 Sent securely. Your name, member ID and contact details are removed before your letter is drafted.
Free, always. No account. You review every word before you send it — and we never send anything to your insurer. You do.
See a sample appeal first (fictional case) →This is free for you — now and always. We never charge patients.
Only about 1 in 500 denials is ever appealed — and when people do appeal, a meaningful share of denials are overturned. See the data ↓
A sample appeal (fictional patient)
Jordan received a denial for 12 physical therapy sessions. (Jordan, the plan and every number are fictional test data.)
Before — the denial
Evergreen Test Health Plan
Re: Notice of claim denial
Service denied: Outpatient physical therapy, 12 sessions
You must file your appeal within 180 days of the date of this letter.
Reason given
"The service is not medically necessary based on the information we received."
That's the entire reason. It doesn't say what information was missing.
After — the appeal we drafted
RE: Appeal of denial — Outpatient physical therapy, 12 sessions
“First, the denial says it relied on ‘the information we received.’ It does not say what information was reviewed or what was missing. I ask Evergreen Test Health Plan to identify the information it relied on and the specific reason it found the physical therapy not medically necessary for me.”
“…Under 45 CFR 147.136(c), if a State external review process applies to and is binding on a health insurance issuer … then the issuer must comply with the applicable State external review process. My plan is an individual plan. I reserve my right to pursue external review if this appeal is not resolved in my favor.”
Where only Jordan or the doctor can supply something, the letter says so with a [PROVIDE: …] marker instead of inventing it. Plus: a Next Steps sheet — where to send it, the deadline as the denial states it, and who to copy (here, the Ohio Department of Insurance).
Appeal-Letter.docx · Appeal-Letter.pdf · Next-Steps.pdf
In your corner
A denial is a hard moment. We built this so the next moment can be a calmer one.
The moment it lands
A surprise letter. A looming bill. The instinct to give up. Most people stop here. We start here.
Working it out together
Upload the denial and check every detail we read from it. We draft a clean appeal — with the federal appeal rules for your plan and your filing deadline.
A calmer next moment
A letter you can edit, sign and send, plus a sheet that tells you where it goes. Free. No signup. We never charge patients.
Every denial has a playbook. Pick yours.
By insurer
UHC · UBH · Optum · NaviHealth
Appeal guidesCVS Health / Caremark
Appeal guidesEvernorth / Express Scripts
Appeal guidesElevance Health
Appeal guidesBy denial type
Federal 180-day ERISA window. State 30–60. Missing it ends the appeal before it starts. This calculator gives you the exact date in 10 seconds.
Insurers count on you giving up. Most people do.
1 in 500
Denials that are ever appealed (KFF)
Appeals work
A meaningful share of appealed denials are overturned on internal review (KFF)
$0
What AppealArmor costs you — now and always
Source: Kaiser Family Foundation — Claims Denials and Appeals in ACA Marketplace Plans
We're in your corner.
Only 1 in 500 people appeal their insurance denials. The other 499 give up, pay out of pocket, or go without care. Insurers know this — the system is intimidating on purpose.
My wife June and I have triplets who needed 16 surgeries between them. I'm an AI researcher who got tired of fighting denials by hand, so I built this. You shouldn't need a law degree to fight for healthcare you've already paid for.
— Stuart & June Kerr
Free, always. No account. You review every word before you send it — and we never send anything to your insurer. You do.
