Fight back · start with your notice
Your insurance denied something. Here is what to do next.
Start with the denial notice, not a statistic. Find the deadline and the address, gather the documents that support your request, and use the free letter tool to organize your appeal. The numbers on this site are background — they do not prove what happened in your case.
Read your denial notice first
Find four things: the reason for the denial, the date it was issued, the deadline to appeal, and where to send the appeal. Keep the notice. You will need it later. If any of these are missing, call the number on your insurance card and ask for them in writing.
Optional: look up your insurer’s public report for context. It will not replace the facts in your notice:
Write and save your appeal
Paste your notice or enter the facts yourself. The helper stays on your device and gives you a letter to review and send.
Write my letterA separate appeal-assistance service. Review its current eligibility, privacy terms, and process before submitting health information.
Use CounterforceA separate managed-filing service. Review its current price, eligibility, privacy terms, and scope before purchasing.
See ClaimableWe take no referral fees from any of these. If that ever changes, it will be disclosed here. These services operate outside this site; review their current terms, privacy practices, and eligibility before using them.
If they say no again, check your next review
Some plans let you ask an independent reviewer to look at the decision after the first appeal. The rules depend on your plan, state, and the reason for the denial. Your final denial notice should tell you whether this is available and give you the deadline. Use the official links below to confirm the process.
Why this is free — and what makes it different
The letter tool is free and runs on your device. It does not send your notice to an AI service or our server. It does not submit the appeal, decide whether you will win, or replace advice from your plan, doctor, or lawyer. We do not take referral fees from the outside services listed above.