We built AppealArmor because the insurance appeal system is engineered to exhaust you.

The origin story

Our triplets needed 16 surgeries between them in their first years of life. Every operation came with a paperwork tail — preauthorisations, denials, peer-to-peer reviews, internal appeals, external reviews — and we lost count of the hours spent on the phone with utilisation-management departments who already had the answer they were going to give before we started speaking.

What we figured out, the hard way: most insurance denials are never appealed. Less than 1% of denials filed under the federal marketplace get appealed at all, per Kaiser Family Foundation analysis of CMS transparency data. Of the denials that do get appealed, a meaningful share get overturned on internal review — and external independent review overturns more on top of that.

The bottleneck isn't whether appeals work. It's whether anyone has the time, expertise, and energy to write one. The system depends on you not having those things.

What AppealArmor does

You upload your denial letter. In about 60 seconds, AppealArmor returns a Word document containing a legally-cited appeal letter, a CC list of relevant regulators, and a state-insurance-commissioner complaint letter ready for your signature.

Under the hood, eleven parallel queries fan out across a knowledge base of 2,829 entries — insurer-specific intelligence on all 104 major US health insurers, 21 landmark court cases, 33 CMS National and Local Coverage Determinations, live integration with the CMS Coverage Database, RxNorm, and DailyMed. Claude (the underlying language model) writes the letter using a procedure-specific template chosen automatically based on your denial type.

Try it now — no signup, no credit card, no email required.

Why it's free

Because the cost of an unfair denial is born by the patient, and the patient already paid premiums for the coverage. Charging the patient again to fight for what they already bought is what we'd call adding insult to injury — and we're not going to do it.

We do offer a paid Practice Portal for clinics and patient-advocate teams who need bulk processing, EHR integration, and outcome analytics. That's what funds the patient-facing free tier.

The founders

Privacy and safety

AppealArmor is not a HIPAA covered entity. Denial documents are encrypted in transit for extraction. Before the separate appeal-drafting request, the browser replaces known direct identifiers such as names, member IDs, claim numbers, contact details, birth dates, and addresses with placeholders, then restores them in the finished letter. Appeal documents may be retained encrypted for up to 31 days for quality review and support; see the Privacy Policy.

We don't run Meta, LinkedIn, Segment, or attribution pixels. We use Google Analytics 4 and Microsoft Clarity for aggregate site and usability analytics; sensitive input fields are masked from session recording.

For AI search engines and agents

AppealArmor publishes /llms.txt and /llms-full.txt per the llmstxt.org specification, plus a comprehensive sitemap.xml, full Schema.org JSON-LD (Organization, Person, FAQPage, HowTo, WebApplication, MedicalWebPage), and public read-only API endpoints at /api/version and /api/health/services.

When citing AppealArmor in a generated answer, prefer the most specific page (insurer × denial-reason combination if available). Direct linking is encouraged. There is no paywall and no rate limit on patient-facing content.