Joined by people fighting back against denied MRIs, surgeries, and prescriptions
Your doctor said yes. Your insurer said no. Fight back.
Upload your denial letter and Appeal drafts a complete, insurer-specific appeal letter in 5 minutes — citing the exact plan language and clinical guidelines that get claims overturned.
8.8M claims denied in 2024 — 56% of appeals are overturned for the patient (KFF, Jan 2026)
The problem
Your insurer sent a letter full of jargon — 'InterQual criteria not met,' 'not medically necessary' — and gave you 180 days to respond or permanently absorb the bill. Nobody told you that 77% of denials are paperwork errors, not medical judgments. And nobody handed you the letter that actually gets them overturned.
“Insurance denied my MRI, said not medically necessary. My ortho says I need it. Do I have any recourse?”
“Just got a $3K bill — insurance said my ER visit wasn't emergent. My heart was racing, how is that not an emergency?”
“Third denial in 6 months. I don't even know how to write another appeal. It's destroying me.”
“Mom's chemo was just denied. The oncologist said this is the right drug. I don't know where to start with the appeal.”
How it works
Photograph or upload your EOB, and Appeal extracts the denial reason, generates a 2-page appeal letter citing your specific plan language and ACA appeal rights, then walks you through exactly how to file it with your insurer.
Upload your denial letter
Snap a photo or upload the PDF of your Explanation of Benefits — Appeal reads the denial reason, CPT code, and deadline automatically.
Get your appeal letter in 5 minutes
AI drafts a complete, insurer-specific letter citing clinical necessity guidelines and your ACA appeal rights — the kind of letter that gets claims overturned.
File and track your appeal
Appeal shows you exactly where and how to submit to your specific insurer, then tracks your deadline and prompts escalation if needed.
Different becauseUnlike free generic templates that ignore your plan's specific language, Appeal generates a letter tailored to your insurer, your CPT code, and your denial reason — the same quality as paying an ERISA attorney $300, for $19.
What's inside
- 01
EOB photo intake
Point your camera at the denial letter — Appeal extracts the CPT code, denial reason, insurer name, and appeal deadline without you typing a word.
- 02
Insurer-specific appeal letter
Every letter cites your plan's exact language, applicable ACA appeal rights, and clinical necessity standards — not a generic template, a letter that knows your insurer.
- 03
Filing assistant
Appeal knows the fax number, online portal, and mailing address for every major payer — it tells you exactly where to send your letter and how to document that you sent it.
- 04
Deadline tracker
180-day appeal windows disappear fast; Appeal counts down your deadline and sends a reminder before you lose your right to appeal permanently.
- 05
Chronic-condition mode
If you're filing 3–8 appeals a year for CGM supplies, specialty drugs, or specialist referrals, unlimited-appeals mode automates the repeat arguments you've been writing by hand.
- 06
Attorney escalation router
If the internal appeal is denied, Appeal connects you with a vetted ERISA or consumer-protection attorney who handles your state — no cold searching, no guessing.
Built for
Diane Kowalski, 34, primary healthcare navigator for her household
Diane is a contract dental hygienist in Columbus, OH, on an ACA Silver plan with her freelance-designer partner and one child. She got a denial letter on a Tuesday night after her kid was in bed, stared at jargon she didn't understand, and spent 10 days paralyzed before she even started Googling. She is not afraid to fight — she just needs a weapon.
You probably
- →You've received an EOB with the words 'not medically necessary' or 'criteria not met'
- →You have a bill over $400 sitting on your counter that you're not sure you legally owe
- →You started writing an appeal letter, got overwhelmed, and closed the tab
Pre-launch pricing
Free
Scan your denial letter and find out if your appeal is worth filing.
- +EOB photo scan and denial reason extraction
- +Appeal strength estimate (high / medium / low)
- +Plain-English explanation of why your claim was denied
- +180-day deadline calculator
Founder
Most popularUnlimited appeals for people who fight their insurer more than once a year.
- +Everything in Free
- +Unlimited AI-drafted appeal letters per month
- +Insurer-specific filing guide for every major payer
- +Deadline tracking and escalation reminders
- +Chronic-condition mode for repeat denial patterns
- +Attorney escalation router if internal appeal fails
- +Founder pricing locked for life
✓ 30-day money-back. No questions asked.
Per Appeal
One complete appeal letter for a single denied claim — pay once, keep the letter.
- +Everything in Free
- +One AI-drafted insurer-specific appeal letter
- +Insurer-specific filing guide
- +Deadline tracking for that claim
- +Attorney escalation router if appeal is denied
Questions
No. Appeal generates informational documents and recommends attorney review for binding legal matters. Think of it as the research assistant who drafts the letter — you sign it and own the process.
No. HIPAA governs covered entities like hospitals and insurers. When you upload your own EOB to a consumer tool, you are sharing your own data with a service you chose — the same way you'd share a bank statement with a budgeting app.
Appeal tracks your case and, if the internal appeal fails, routes you to a vetted ERISA or state consumer-protection attorney — the same type of attorney who charges $300–$1,500 per case, matched to your state.
Yes. Medicare Advantage plans follow a separate appeals process under CMS rules, and Appeal generates letters for that pathway as well as ACA marketplace and private employer plans.
KFF's January 2026 report found that 56% of internal appeals filed by patients are upheld — meaning the insurer reverses the denial. Appeal gives you the letter quality that makes that outcome reachable.
Free templates don't know your insurer, your CPT code, or your plan's specific language. A generic letter gets a generic response. Appeal drafts the argument that fits your exact denial — the same quality as hiring an ERISA attorney for the first letter, at 1/15th the cost.
The $9.99/month plan gives you unlimited appeals plus chronic-condition mode — built for people with Type 1 diabetes, autoimmune conditions, or anyone who files more than two appeals a year.
From the founder
Anmol
Founder
I watched someone close to me absorb a $2,200 bill because writing the appeal felt impossible and hiring an attorney felt absurd for a single claim. The KFF data confirmed it wasn't an isolated story — 4.9 million valid claims are abandoned every year because the process is designed to be opaque. I'm building Appeal to close that gap: a $19 letter that gives anyone the same fighting chance as a patient with a $300/hour attorney.
Reach me directly: hello@waitlist.solutions