Frequently Asked Questions
Answers to the questions we hear most often.
What is an appeal?
An appeal is a formal request asking your insurance company to reconsider a claim decision. Federal law and most state regulations require insurers to maintain an appeal process. That requirement exists because initial determinations are not always accurate.
An appeal gives you the opportunity to submit additional information, correct errors, or challenge the reasoning behind the denial.
Do appeals actually work?
Results depend on the plan, the denial reason, and the record. Two published datasets show how often appeals change the outcome. In 2024 HealthCare.gov Marketplace data, the original denial was not upheld in about a third of internal appeals (KFF, March 2026). For Medicare Advantage prior authorization denials, 80.7% of appealed denials were fully or partially overturned in 2024 (KFF, January 2026). These figures describe groups of appeals. They do not predict the outcome of any single appeal.
In the Marketplace data, consumers appealed fewer than 1% of denied claims. A denial that is not appealed stands.
What is Remedy Support?
Remedy Support is a set of free tools and guides for people dealing with a health insurance denial. Explain My Denial translates a denial letter into plain language. The Appeal Library and Deadline Calculator help you find your deadline and your submission route. The appeal letter generator helps you create an editable letter.
Does Remedy Support file my appeal?
No. You review your appeal, sign it if your plan requires a signature, attach your documents, and send it to your plan. Remedy Support does not submit appeals, communicate with your plan, or track your case.
Is it really free?
Yes. There is no fee, no account, and no percentage of anything you recover. Remedy Support is operated by Neurvana AI, LLC and is not affiliated with any insurance company.
What kinds of denials do these tools cover?
Explain My Denial is built to work with any health insurance denial letter. The guides in the Appeal Library focus on commercial, employer-sponsored, and Marketplace plans from UnitedHealthcare, Aetna, Cigna, Humana, and Blue Cross Blue Shield, and on common denial reasons such as missing prior authorization, missing referrals, timely filing, and medical necessity. Traditional Medicare and Medicaid use different appeal procedures, so those guides may not apply.
Do I need a lawyer?
For most health insurance claim appeals, no. The internal appeal process is administrative, not legal, and does not typically require an attorney. If your situation moves to external review or litigation, that is a separate matter.
What documents do I need?
Start with your denial letter. Add your Explanation of Benefits if you have it, and any clinical documentation from your provider that supports the care. The checklist lists what plans commonly ask for.
How do I find my deadline?
The deadline is printed in your denial notice. Many employer group health plans must give you at least 180 days from receiving the notice, but your plan, state, and appeal type can change that. Use the calculator to count the days, then confirm the date against your notice. Leave time to send your appeal and keep proof of when you sent it.
Where do I send my appeal?
Use the address, fax number, or portal in your denial notice or plan documents. Do not rely on a number from a general web page. The carrier guides in the Appeal Library explain how to find the right route for UnitedHealthcare, Aetna, Cigna, Humana, and Blue Cross Blue Shield plans.
Is my information private?
Explain My Denial reads your file in your browser, and the file itself stays on your device. Only the details you review and confirm (denial reason, procedure or diagnosis codes, insurer, plan type, dates of service, and the deadline if your letter states one) are sent to generate the explanation. Remedy Support does not store what you enter after you get your answer. To limit abuse, the tool keeps a one-way hash of your IP address and a request count. The rest of the site does not ask for personal or health information.
Does Remedy Support use AI?
Yes. Explain My Denial uses AI to turn the details you confirm into a plain-language explanation. The tool is built to work without your name, date of birth, member ID, address, phone number, or email. AI output can be wrong, so check it against your denial notice and plan documents.
Can someone appeal on my behalf?
Yes. You can appoint a family member or another person, usually with a form your plan provides. The form varies by plan, so use the one named in your denial notice or plan instructions.
What if the appeal doesn't succeed?
Some denials are upheld. If the plan upholds its decision, the notice should explain your next options, which often include external review and a complaint to your state insurance regulator. The Appeal Process guides explain both.
Can I use these tools for an urgent appeal?
Not for urgent or concurrent-care appeals. Those run on expedited timelines, and your denial notice and your plan's member services line explain how to request expedited review.
What denials can the generator write a letter for?
The generator supports two denial types: missing prior authorization (code CO-197) and medical necessity denials for advanced imaging (code CO-50). For any other denial, Explain My Denial and the Appeal Library are the better starting points.
Is the generated letter a complete appeal?
No. It is a letter. Your plan may also require a form, a signature, and supporting documents.