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Upload your denial. We draft your appeal in minutes — with the legal citations, the right CC list, and your filing deadline. Built by an AI researcher who got tired of fighting denials by hand.
Sample appeal letter — fictional case
Dear Appeals Reviewer: I am writing to formally appeal UnitedHealthcare’s denial … of the MRI of the lumbar spine without contrast (CPT 72148)… The denial cites “not medically necessary — conservative treatment not exhausted.” That conclusion is contradicted by the clinical record and by UnitedHealthcare’s own published medical policy. Read the full sample →
Upload your denial and we draft one like it for your case — your insurer, your denial reason, the citations, and your filing deadline.
We’re Stuart and June Kerr, parents of triplets who needed 16 surgeries between them. Our story
Free, always. No account. You review every word before you send it — and we never send anything to your insurer. You do.
What happens next
Upload your denial letter
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Next: pick your denial letter — a PDF or a photo of the paper letter works. You'll see your draft before anything else happens.
Free, always. No account. You review every word before you send it — and we never send anything to your insurer. You do.
or drag & drop a file here
This is free for you — now and always. We fund it with paid tools for medical practices, never by charging 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 case)
Sarah received a UnitedHealthcare denial for a back-pain MRI. (Sarah is fictional — no PHI.)
Before — the denial
UnitedHealthcare
Re: Pre-Service Determination — Adverse Benefit Determination
Service: 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 reason. That's the gap we use.
After — the appeal we built
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:
Each element is documented — eight weeks of supervised PT (exceeding the policy's six-week minimum), positive straight-leg-raise at 35°, decreased L5 dermatome sensation, and a treating-physician note confirming the MRI determines next-step care.
Plus: ERISA § 503 disclosure, parallel state-regulator complaint, calendar of deadlines, and the right CC list.
Appeal letter · State complaint · Filing guide · Timeline · Checklist · Plain-English summary.
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. We pull the policy, find the gap, and draft a clean appeal — with the right citations and your filing deadline.
A calmer next moment
About 2 minutes from upload to a download you can sign, send, and file. Free. No signup. We never charge patients — practices fund it.
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
Paste the text of your denial letter or describe your situation.
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.
