"Medical necessity" is insurance code for "we'd rather not pay."
Let's change their minds with the magic word: evidence.
No credit card • No signup • Just results
(Hint: It's not because your doctor was wrong.)
Every denied claim is money in their pocket. "Not medically necessary" sounds official, but it really means "we'd rather not." The good news? You can make them.
Only 2% of people appeal. That's the whole business model—make it confusing enough that people give up. Don't be in that 98%.
Federal and state laws say they MUST cover medically necessary care. Your doctor ordered it for a reason. Time to remind them.
Nobody expects something for nothing—we get it. Here's our ask: tell us if it worked. That's it. We're building something to help millions of people fight back against unfair "medical necessity" denials. Your feedback helps us make the AI smarter so we can help even more people get the coverage they deserve. You're not just getting a free appeal letter—you're helping us build a movement.
Here's what they don't want you to know:
When you appeal with proper documentation, you're not just complaining—you're invoking legal protections.
And suddenly, their automated denial system has to deal with a human review.
Identify the specific reason for denial and appeal deadline. Most denials cite "lack of medical necessity" without details—we decode this.
Work with your doctor to obtain a detailed letter of medical necessity, relevant medical records, and supporting research. Learn how to prove medical necessity
Reference policy language, cite clinical guidelines, and present evidence systematically. Our AI does this in minutes. See sample appeal letters
Send via certified mail with return receipt. Follow up every 7-10 days. We provide tracking templates and reminder schedules.
Request external review by independent medical experts. File complaints with state regulators. We guide you through every escalation step.
| Feature | AppealArmor | Generic ChatGPT |
|---|---|---|
| Insurance-specific training | ✓ | ✗ |
| Cites policy language automatically | ✓ | ✗ |
| References clinical guidelines | ✓ | ✗ |
| Identifies denial weak points | ✓ | ✗ |
| Step-by-step submission guidance | ✓ | ✗ |
| Expert review available | ✓ | ✗ |
| State Insurance Commissioner integration 🔥 This ramps up the pressure! |
✓ All 50 states | ✗ |
| Time to complete | 5 minutes | 2-3 hours |
"My cancer treatment was denied as 'not medically necessary.' AppealArmor's appeal letter cited my oncologist's research and FDA approvals. Approved in 11 days."
"My son's autism therapy was denied. The appeal letter referenced ABA therapy guidelines and state mandates. Insurance reversed the denial within a week."
"Spinal surgery denied as 'experimental.' AppealArmor found peer-reviewed studies and policy loopholes. I had surgery 3 weeks later."
Comprehensive guide to insurance definitions and your coverage rights
Step-by-step guide to gathering evidence and documenting your case
Real templates and examples that won appeals
Understanding the difference and how to appeal each type
Real cases with dollar amounts and lessons learned
Specific requirements and protections in your state
Generate your appeal letter in 5 minutes. It's free.
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