AppealArmor
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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.

Encrypted in transit. Known direct identifiers are removed before the separate appeal-drafting request.

1 Upload denial
2 AI writes appeal
3 Download & send

Upload your denial letter

PDF, screenshot, or photo from your phone

Your document is securely uploaded for extraction. Known direct identifiers are removed before appeal drafting. 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.

Encrypted upload No account needed Always free Source-backed
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:

  1. A 2–3 page appeal letter ready to print, email, or mail
  2. Specific legal citations (ERISA, ACA, state insurance code) and CMS coverage references
  3. The right CC list — state insurance commissioner + plan oversight bodies
  4. 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)

Here is what actually happens when you use AppealArmor. You can inspect the network requests in Chrome DevTools or Safari’s Web Inspector:

  1. Secure document extraction. Your uploaded file or pasted text is sent over HTTPS to /api/appeal/extract so the service can read the denial fields.
  2. Direct identifiers are removed before appeal drafting. Before the separate /api/appeal/generate request, the browser replaces known names, member and claim IDs, contact details, birth dates, and addresses throughout the request with placeholders.
  3. Your browser restores the finished documents. The generation response contains placeholders; the browser swaps your identifying details back into the on-screen letter and packet.
  4. Be aware of the remaining data flow. Denial and medical context is processed by our server and AI providers, and service records may be retained as described in our Privacy Policy. Do not upload information you do not want processed this way.
  5. Source code is open. The current implementation lives in public/js/personal-ai-team.js on GitHub.

We do not sell your appeal content. Review the Privacy Policy for collection, provider, retention, and deletion details.

See a sample appeal letter

[Your Insurance Company]
Appeals Department

Re: Appeal of Denial — Member ID [XXXX] — Claim #[XXXX]

Dear Appeals Reviewer,

I am writing to formally appeal the denial of [treatment] issued on [date]. The denial cites lack of medical necessity; however, the attached clinical documentation and the following evidence demonstrate that this treatment is medically necessary and meets your plan's coverage criteria.

Medical Necessity: My diagnosis of [ICD-10 code] meets the criteria established in [clinical guideline citation]. Per [CMS NCD/LCD reference], this treatment is indicated when...

Full letter typically runs 2–3 pages with ICD-10 codes, CPT codes, legal citations, and plan-specific policy references — generated automatically from your denial.

Read it off your phone, paste an email, or just describe what happened.

Paste the text of your denial letter or describe your situation.

Free · Encrypted in transit · Direct identifiers removed before appeal drafting.