⏱️Most plans give you 30–180 days to appeal. Don’t lose your window.
Upload your denial. Get an appeal in minutes.
Free. No signup. No credit card. No email required.
Your name and member ID are stripped on your phone before anything is sent. Takes about 2 minutes.
1Upload denial
2AI writes appeal
3Download & send
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Upload your denial letter
PDF, screenshot, or photo from your phone
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Your name, member ID, and claim number are stripped on your device before anything is sent.
See how →
or drag & drop your file here
Not ready to upload your own?
See exactly what you’ll get — no upload required.
Walks the full pipeline with a fictional case. Your data never enters.
✓ HIPAA-compliant✓ No account needed✓ 100% free✓ Based on insurance law
We track outcomes ONLY to improve. We never sell your data. We never share your personal health info. That sucks. We’re built to help — that’s all. Your data, your control →
In about 2 minutes you’ll have:
A 2–3 page appeal letter ready to print, email, or mail
Specific legal citations (ERISA, ACA, state insurance code) and CMS coverage references
The right CC list — state insurance commissioner + plan oversight bodies
Your filing deadline, calculated from the denial date
We’re a new tool — be one of the first to try it. Your feedback shapes what we build next.
How your data stays private (verifiable in your browser)▼
Don’t take our word for it. Here’s the actual mechanism — you can verify each step in Chrome DevTools or Safari’s Web Inspector right now:
Local extraction. When you upload, your file is read in your browser. Open DevTools → Network tab and you’ll see exactly one POST to /api/appeal/extract.
PHI strip happens client-side, BEFORE that POST. Open DevTools → Sources → js/personal-ai-team.js and search for _phiMap. That’s the function that replaces your name, member ID, and date of birth with placeholders in your phone’s memory before any network call happens.
The server never sees your real identity. The diagnosis codes, denial reason, and insurer name go through; your name and MRN don’t. The server response comes back with placeholders, then your browser swaps your real info back in — never the other direction.
Source code is open. The strip logic lives in public/js/personal-ai-team.js on GitHub. If anything in this paragraph is wrong, the code disagrees and you can prove it.
We track which insurers and denial types come through (for the learning loop), but never tied to who you are. We don’t sell your data. We don’t even have an account system to sell.
Not sure what you’ll get back? Here’s a real example.
Sarah received a UnitedHealthcare denial for a back-pain MRI. Here’s what AppealArmor turned it into.
(Sarah is fictional — no PHI.)
Service requested: MRI Lumbar Spine without contrast (CPT 72148)
After clinical review, the request has been DENIED.
Reason given
“Not medically necessary — conservative treatment not exhausted.”
That’s the entire substantive reason. That’s the gap we use. ERISA § 503 requires the insurer to tell you specifically what’s missing — this letter doesn’t.
After — the appeal we built
Completeness check passed
First-Level Appeal of Pre-Service Denial
UnitedHealthcare’s own Medical Policy 2024-MRI-LS, Section IV(A), states lumbar MRI is medically necessary when all of these are documented:
Persistent radicular pain or neurologic deficit
Six (6) weeks of failed conservative therapy
Imaging will alter management
Each element is documented — eight weeks of supervised PT (exceeding the policy’s six-week minimum), positive straight-leg-raise at 35° on the left, decreased L5 dermatome sensation, and a treating-physician note confirming the MRI determines next-step care.
Plus: invoked ERISA § 503 disclosure requirements, a parallel state-regulator complaint (the right regulator is auto-selected from the member’s plan and ZIP), a calendar of deadlines, and a CC list including the state DOI and DOL-EBSA (for ERISA-governed employer plans).
Read it off your phone, paste an email, or just describe what happened.
Paste the text of your denial letter or describe your situation.
Why we built this
Only 1 in 500 people appeal their insurance denials. That’s 0.2%. The other 499 just give up, pay out of pocket, or go without care.
Insurance companies know this. They designed the system to be confusing, intimidating, and time-consuming — because it works. Most people don’t have hours to research regulations, write formal letters, or navigate bureaucracy when they’re already stressed about their health.
We built AppealArmor to flip that equation. You upload your denial; we handle the hard part — crafting a professional appeal letter with the right language, citing the right regulations, in your voice.
You shouldn’t need a law degree to fight for healthcare you’ve already paid for. We’re on your side.
