How it works

From denial letter to filed appeal in six steps.

  1. 1

    Upload your denial letter

    Take a photo or upload the PDF of your denial letter or Explanation of Benefits. We accept PDFs and images up to 12 MB. Your file is uploaded directly to encrypted storage with KMS-managed keys — it never traverses our application servers in plaintext.

  2. 2

    Free triage

    Our system reads the document and extracts the insurer, plan, denial code, denied amount, and your appeal deadline. You answer a handful of short questions about the treatment and your plan type. We then categorize the denial into one of ten categories (administrative, prior authorization, medical necessity, plan exclusion, out-of-network, experimental/investigational, and several others) and tell you what evidence appeals like yours typically need.

  3. 3

    Choose your tier (or walk away)

    If your denial category and plan type are supported, you'll see a recommended tier and price. If they aren't supported — for example, Original Medicare or Medicaid — we tell you for free and point you to the right resource. There is no charge before you've seen the triage assessment.

  4. 4

    Receive your appeal package

    For Strong tier: AI-prepared draft, then human-reviewed by a named medical-claims specialist, delivered within 24 hours. For Premium tier: same plus plan-language citations from our insurer corpus and peer-reviewed literature support. For Urgent tier: same as Premium, delivered within 12 hours. You receive a Word and PDF copy with a submission checklist for your specific insurer.

  5. 5

    Submit and track

    Your package includes the insurer's appeals fax number, mailing address, and online portal link. You can submit yourself in minutes, or pay $9 for our Send-My-Fax service to have us fax it directly. After submission, you'll receive follow-up reminders at 14, 30, and 45 days to track the insurer's response.

  6. 6

    Escalate if needed

    If your insurer upholds the denial, you generally have the right to an external review by an independent organization under the Affordable Care Act. Our External Review Pack ($199) prepares the state-specific external review submission. External review decisions are binding on the insurer.

Start with a free triageSee pricing
Not legal, medical, or insurance advice.

InsureDefense is not a law firm, insurer, medical provider, or claims adjuster. We do not provide legal, medical, or insurance advice. We prepare appeal documents based on the information you provide. We do not guarantee approval, payment, coverage, or reimbursement. For urgent medical situations, contact your doctor, insurer, or emergency services directly.