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Pricing

Flat-fee per appeal. No subscriptions. Free triage before you pay.

Strong Appeal
$249 flat fee

Most denials. Most situations.

  • AI-prepared, human-reviewed by a named specialist
  • 24-hour turnaround
  • Plan-language and state-rights references
  • Submission checklist with insurer fax / portal links
  • Word + PDF delivery
  • One round of revision

Fit for: Administrative, prior-authorization, plan-exclusion, and most out-of-network denials.

Most chosenPremium Appeal
$499 flat fee

Medical necessity. High-dollar denials.

  • Everything in Strong
  • Citations to specific plan-document sections (Summary of Benefits / Certificate of Coverage)
  • Peer-reviewed studies supporting medical necessity
  • Treatment-guideline references from professional societies
  • Two rounds of revision

Fit for: Medical necessity, experimental/investigational, surgery, fertility, and high-dollar specialty drug denials.

Urgent Appeal
$699 flat fee

Time-sensitive denials.

  • Everything in Premium
  • 12-hour turnaround SLA
  • Priority queue placement
  • Expedited-appeal language under your insurer's rules
  • Same-day kickoff if submitted before 12pm ET

Fit for: Scheduled surgery within 14 days, urgent medication continuation, ongoing inpatient care, end-of-life situations.

Add-ons

Add-onPriceWhat it includes
External Review Pack$199State-specific independent-review submission packet after internal appeal is denied.
Provider Evidence Pack$49Treating-provider letter template, records-request checklist, fax cover sheet, and suggested language for your doctor’s office.
Send-My-Fax$9We send your appeal by fax directly to the insurer’s appeals fax number.
Second Denial Response$129After your first appeal is denied, a follow-up response that incorporates the insurer’s reasoning and strengthens the external-review case.
Upload denial for free triageHow it works

Frequently asked questions

Do you offer refunds?
If your denial doesn't qualify for the tier you selected at checkout, we will refund the difference or, where appropriate, the full amount. Our triage tells you in advance whether your case is supported — there is no charge before you've seen that assessment.
Can I add the External Review Pack later?
Yes. After your internal appeal is denied (which the insurer must communicate in writing), you can add the External Review Pack for $199. It prepares the state-specific external review submission with the appropriate independent-review organization references.
Is there a per-month subscription?
No. All pricing is per-appeal, flat-fee. We don't believe in subscription pricing for what is fundamentally a one-time consumer need.
What payment methods do you accept?
All major US credit cards, debit cards, and Apple/Google Pay. Payments are processed by Stripe; we do not store card information ourselves.
Will my HSA or FSA card work?
Appeal preparation is not generally considered a qualified medical expense under HSA/FSA rules, so we recommend using a regular payment method. Speak to your plan administrator if you're unsure.
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.