Your health insurance denial, explained.
Free tools to read your denial letter in plain language, estimate your appeal deadline, and find where to send it.
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.
These tools shorten the first steps: understanding the denial, finding your deadline, and knowing where to send an appeal.
Start with what your denial says
Your denial letter may give you a deadline without clearly explaining what to file, where to send it, or which supporting documents are required. The steps below cover each of those.
How it works
Understand the denial
Upload a photo or PDF of your denial letter, or paste the details into Explain My Denial. You get a plain-language explanation of the reason and what people typically do next.
Explain My Denial (Free) →Find your deadline
Your denial notice states how long you have. The calculator counts the days so you can plan around them.
Appeal Deadline Calculator →Prepare your appeal
Answer a few guided questions about your denial and get an editable appeal letter. Review every line before you use it.
Create Free Appeal Letter →Send to your plan
Submit through the route in your denial notice, and keep proof of what you sent and when.
Find Where to Send Your Appeal →Remedy Support provides the tools and information. You review the appeal, sign it if your plan requires a signature, attach your documents, and send it to your plan. We don't file appeals, and we can't promise an outcome. If the denial is upheld, external review and your state insurance regulator are the usual next steps. The Appeal Process guides cover both.
Check your appeal before you send it
A draft that reads well can still be wrong about the record. Before you send anything, check the claim details, the denial reason your argument answers, the evidence attached, and the deadline.
Most denials are never appealed
19%
of in-network claims in HealthCare.gov Marketplace plans were denied in 2024.
<1%
of those denied claims were appealed internally.
34%
of internal appeals ended with the original denial not upheld.
Source: KFF analysis of CMS data for HealthCare.gov Marketplace plans, plan year 2024, published March 2026.
These figures cover in-network claims in HealthCare.gov Marketplace plans. They do not include employer group plans, state-run Marketplaces, or prior authorization decisions.
When a denial is not appealed, the plan's decision stands.
Before You Pay That Bill
Find out if your health insurance denial deserves a second look.
Create Free Appeal Letter