Their denial isn't the final word.
We handle appeals on denied claims from $500 to $10,000, for a
Drafted, reviewed, and filed with your carrier.
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19%
of in-network claims from HealthCare.gov plans were denied in 2024.
<1%
of those denied claims were ever appealed.
34%
of the appeals that were filed were reversed in the patient's favor.
Source: KFF analysis of CMS HealthCare.gov claims data, published March 2026.
Most People Give Up
Insurance companies know something most consumers don't.
You have a job. You have a life. You don't have hours to spend on hold, reading regulations, drafting appeals, and tracking deadlines. The insurance company does.
That imbalance is not an accident. In 2024 data from HealthCare.gov plans, insurers denied roughly 1 in 5 in-network claims, and consumers appealed fewer than 1% of denied claims, not because most denials are correct, but because the appeals process is exhausting enough that most people stop before they start. Researchers call it rationing by inconvenience: administrative complexity used systematically to suppress the number of people who ever push back.
The insurer wins by default. Every time someone sets the letter aside, that's a line item closed in their favor.
The Medical Bill Isn't the Only Thing They Expect You to Pay
Every denial produces a second invoice no one sends you:
- Hours on hold
- Evenings spent reading policy documents
- Missed deadlines
- Confusing paperwork you were never trained to read
- Stress that doesn't have a line item
That's unpaid labor. And it's exactly what insurers are counting on.
Here's What We Do
Upload Your Documents
Fill out the intake form with your denial letter and claim details. Your information is transmitted over an encrypted connection and stored within a protected vault architecture.
See what you'll need →Appeal Prepared
A formal appeal is drafted from your claim record: CPT codes, denial rationale, and coverage details.
Human-in-the-Loop
Appeal Reviewed
Every appeal is reviewed by a trained appeals specialist before anything goes to your carrier. Nothing is submitted on autopilot.
Submitted to Your Insurer
Your completed appeal is filed through an accepted carrier channel. We keep the transmission or submission confirmation that channel generates.
This $49 fee covers the complete process: intake, appeal preparation, specialist review, and filing through an accepted carrier channel. The carrier controls the decision and response timeline from there. Keep your submission confirmation and watch for requests or a written decision from the plan. We do not guarantee outcomes. If your appeal is denied, we will outline the next steps available to you, including external review and your state insurance regulator.
Why $49?
Flat fee. No contingency. No percentage of your savings, ever.
Half of U.S. adults can't absorb an unexpected $500 medical bill, and the median unexpected medical expense runs $1,000 to $1,999, according to KFF. That's the range where a denied claim is too costly to ignore and too small to justify a lawyer.
Generating a compliant appeal packet costs our platform the same either way, whether the bill is $500 or $10,000. So the fee doesn't change either.
$49. Every case. No percentage.
Before You Pay That Bill
Find out if your health insurance denial deserves a second look.
Start My Appeal