Explain My Denial

Your denial letter

Upload your denial letter (optional)

A photo or PDF, up to 20MB per file. We pull the text out for you.

Your denial letter (required)

Tip: include the whole letter, especially the parts that give the reason for the denial.

Your Information

The details below go to our server when you send this form. Under each one we say what we keep, and where. Our privacy policy has the rest.

First name (required)

Last name (required)

This browser keeps your name, and the chat tries to take it out of your messages before they're sent. Our server keeps the name you enter here only if you tick the news box below.

Email (required) Our server keeps your email with the record that you agreed to these terms. With each chat it keeps a scrambled version (a hash), so you can ask us to delete your chats. This browser keeps your email too, and the chat tries to take it out of your messages.

Phone Our server keeps your phone number only if you tick the news box below. This browser doesn't keep it, so the chat can't take it out of your messages.

Street address

City

State

ZIP code

This browser keeps your address, and the chat tries to take your street address, city and ZIP code out of your messages before they're sent. It leaves your state in, because the answer can depend on it. Our server doesn't keep what you enter in the address boxes.

Terms

I agree to the Terms of Service. I'll use this site only for my own insurance appeals, not to diagnose or treat any condition. (required)

I have read and understand the Privacy Policy. (required)

Send me news from Fight Health Insurance and Fight Paperwork, our version for professionals. Optional, but we appreciate it! If you tick this, our server keeps your name, email, phone number and how you heard about us on our mailing list until you unsubscribe or ask us to delete your data.

How did you hear about us? (Optional)

Details (Optional) For example, which search engine or who told you about us. Our server keeps both answers only if you tick the news box above.

Which AI answers you

Choose whether outside AI services can help answer.

Let outside AI services help answer. Optional. Your conversation is shared with those services, under their own terms. Our own models answer first. With this on, outside services are asked too, so you still get a good answer if ours are slow, down or stuck. We try to remove the name, email, street address, city and ZIP code you entered above in your browser first; please leave out other identifying details, such as your phone number. Turn this off to keep your chat on our own models only.

We can explain the most common kinds of denial

"Not medically necessary"

The insurer says you didn't need the treatment.

No prior approval

The insurer says it had to approve the care first.

Billing or coding problems

The codes on the claim don't match what the plan covers.

Not covered

The plan says it leaves this treatment out.

Experimental

The insurer says the treatment isn't proven.

And More

Out of network, step therapy, "cosmetic", and other reasons.

Please note: This explains denial letters in general. It isn't legal or medical advice. Check with your doctor and read your own plan's documents.

Decode Your Denial