For US health insurance denials and medical bills
A denial letter is not the final word.
Upload your denial letter or EOB. We explain it in plain English and find your appeal route and deadline, for free. If you want, we then prepare the appeal packet that you send yourself.
Denials are common. Appeals are rare, often because the process is confusing.
How it works
Three steps. You stay in charge of every one.
Step 1
Understand the denial
We read your letter or EOB and tell you why the claim was denied, what the codes mean, your plan type and your deadline.
Step 2
Build your appeal packet
A letter for your plan's appeal route, request letters for your claim file and your doctor, and a checklist of the evidence to attach.
Step 3
You review and send it
Edit anything, download one PDF, and send it to your plan the way your letter says. We remind you before each deadline, if you turn reminders on.
The parts most letter writers skip
A good letter matters less than sending it the right way, on time, with the right evidence. That is where we spend our effort.
The right route for your plan
Employer and marketplace plans follow different rules. We match the steps to your plan type and cite the rule we used.
Your deadline, worked out and on your calendar
We work out your deadline from the date on your letter, add it to your calendar and email you before it.
An evidence checklist
What to gather for your denial reason, what you already have, and what to ask your doctor or plan for.
Request letters, ready to send
Ask your plan for your claim file and the criteria it used. Ask your doctor for a letter of medical necessity.
A letter you can edit
Every sentence is yours to change. We point out anything still missing before you download.
One PDF to send
Letter, requests and a cover sheet in order, with where to send it for the largest insurers.
Add the bill audit, $79 total
Check the bill against what your plan says you owe
We compare your itemized bill with your EOB, line by line. We flag duplicates, charges your plan says you do not owe, and bills that may break the No Surprises Act. Then we draft the dispute letters.
- Duplicate and unbundled charges
- Amounts above your EOB "you may owe" line
- Surprise out-of-network bills and good-faith estimate checks
- A screen for the hospital's financial assistance program
| Line | Billed | Finding |
|---|---|---|
| ER visit, level 4 | $1,450.00 | Matches EOB |
| ER visit, level 4 | $1,450.00 | Possible duplicate |
| CT scan, head | $1,690.00 | Matches EOB |
| Lab panel | $425.00 | Not on EOB |
| To question | $1,875.00 |
What we are, and what we are not
AppealHaven is a document-preparation tool. It is not a law firm, an insurer or a medical provider, and it does not give legal or medical advice. You decide what to send, and you send it.
- Explain your letter in plain English
- Find the route and deadline your plan's rules set
- Draft letters you review, edit and send
- Act as your lawyer or representative
- Tell you which treatment you need
- Promise an outcome. No one honestly can.
Free help is out there too
Many states run a free consumer assistance program for insurance problems. Medicare and Medicaid members can get free one-on-one help. We point you to these in every result, whether you pay us or not.
Your health information stays yours
No ad trackers
No advertising pixels on any page that sees your documents.
Never sold, never used for ads
We do not sell your data or share it for advertising.
Deleted on a timer
Your uploads are deleted 30 days after you close your case.
Delete any time
One button deletes a case or your whole account, right now.
One price per case. No subscription.
Pay once for the case you have. No subscription, and no share of any money you get back.
- Why it was denied, in plain English
- Your plan type and appeal deadline
- Your next step and free-help contacts
- Email reminders, if you want them, and a calendar file when you save it
- Everything in the decoder
- Appeal letter for your route
- Claim file and doctor letter requests
- Evidence checklist for your denial
- PDF packet to send
- Everything in the appeal case
- Itemized bill request
- Line-by-line audit against your EOB
- No Surprises Act checks
- Dispute letters
For employer and individual-market plans. Medicare and Medicaid members get the free decoder and free-help referrals. Full pricing and refund policy
Common questions
Do I need an account?
Not to decode a letter. You need an account to start a case, so your documents and deadlines are saved. You sign in with your email and a 6-digit code we send you. There is no password.
Do you send the appeal for me?
No. You send it. We prepare one PDF and show you where to send it for UnitedHealthcare, Aetna and Cigna. For other plans, use the address or form named in your denial letter.
We do not mail, fax, call or write to your plan for you, and we are not your representative.
Is this legal advice?
No. AppealHaven is a document-preparation and information tool. It is not a law firm, it is not your lawyer or representative, and it is not a substitute for a lawyer.
You may want a lawyer if your case goes to court, for example a lawsuit against a self-funded employer plan after the appeals are done. Legal aid offices help people with low incomes for free.
Can you promise my appeal will work?
No. Your plan, or an independent reviewer, makes the decision. No one can honestly promise an outcome, and we do not.
Start with what the letter actually says
You do not need an account, and nothing goes to your plan or your doctor.
Decode my letter, free