Fight a health insurance denial, step by step.
Helps a person understand a denied claim, prior authorization denial, or Medicare or Medicaid denial, work out which appeal route applies, and draft the appeal letter. Receives no personal information.
Each bar is one MCP initialize handshake, every 15 minutes. Last checked 2026-09-22 18:00:51.
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start_hereCall this first when a person wants help with a health insurance denial, a denied claim, a prior authorization denial, a Medicare or Medicaid denial, or care that is being cut short. Returns what to read from the denial letter, how to work out which kind of coverage it is, the deget_appeal_deadlineWorks out the deadline to appeal a health insurance denial from the coverage type and the date on the notice. Also returns who to send the appeal to, how to file, how long the plan has to answer, what the next level is, and the legal sources. Handles first appeals, second-level abuild_appeal_letterReturns an appeal letter template for a health insurance denial, with the argument points, the evidence checklist, the document requests that federal appeal rules provide for (claim file, criteria used, reviewer credentials, whether an algorithm or predictive tool was used), and build_doctor_requestReturns a short note the person can send to their doctor's office asking for a letter of medical necessity for an insurance appeal, an outline of what that letter should cover for this kind of denial, and how to ask for a peer-to-peer review. The treating doctor's written supportnext_steps_if_deniedExplains what comes after an appeal is turned down for a given coverage type: the next appeal level, independent external review, state fair hearings, regulators who take complaints, and organizations that help for free (SHIP, Department of Labor EBSA, state insurance departmentsmake_reminderReturns a link to a calendar file (.ics) with an appeal deadline and an earlier send-by reminder, which the person can add to any calendar. The file contains dates and a generic title only, no personal or medical information.Paste this on your site or README. It always shows the latest check.
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