FAQ
- DenialAppeal is a document-preparation tool for commercial health insurance denial appeals; it is not a law firm and does not file appeals for you.
- Draft Pack includes a draft appeal letter, an evidence checklist, and filing guidance. Pricing: $34 Draft Pack; $79 for three credits for the same person.
- A free pre-check may stop the paid Draft Pack path when this tool’s product screening rules do not offer a pack; Medicare and Medicaid users get a public consumer resource card with .gov links instead of a Draft Pack.
Last updated 2026-10-31
Do you guarantee a result?
No. Nothing here promises what a plan will decide. Many appeals are denied. A draft is not a prediction, and we do not file it for you.
Do you file my appeal?
No. Download and send it yourself. We do not file, negotiate, or appear on your behalf.
What about Medicare or Medicaid?
Choose Medicare or Medicaid on the first pre-check step and we’ll show a public consumer resource card with .gov links for that program. We don’t prepare a Draft Pack for those plans.
What denial types can I draft?
Medical necessity, prior authorization, and out-of-network — for commercial and Marketplace plans.
What is an internal appeal vs an external review?
An internal appeal is the request you send to the plan or insurer itself — usually the first step described on your denial notice. After internal steps are finished, some plans and some states may offer an independent external review or another path. Whether that applies depends on your denial notice and plan documents; we do not decide for you or compute legal deadlines. If your coverage is through a self-funded employer plan, any external path sometimes uses federal consumer channels rather than a state insurance department — check with HR or your plan materials. For a public overview, see HealthCare.gov — How to appeal an insurance company decision (https://www.healthcare.gov/appeal-insurance-company-decision/).
What should I check before I file?
(1) Use the address, portal, fax, and any deadline printed on your denial notice — those control over anything on this site. (2) After internal steps, there may be an external review or another path; whether it applies is for you to verify with the notice and plan. (3) We do not file for you, do not compute statutory deadlines, and do not guarantee a result.
What if the pre-check says we can’t continue?
You’ll see a short explanation and a way home. A draft and a purchase are not offered on that screen. If we suggest you pause, you’ll confirm once more before the draft questions.
Is this legal advice?
No. DenialAppeal is not a law firm and does not give legal advice. Have a licensed attorney review anything you rely on.
Do you keep my draft? (Privacy)
By default we don’t save your draft on our servers—download a copy if you want to keep it. We don’t sell your information. See our Privacy Policy for how drafts are handled.
Is it too late to appeal?
Appeal windows often vary by plan and state. We don’t decide your deadline—check the date on your denial notice. If it looks stale, pause and consider a licensed attorney. For Medicare or Medicaid, the pre-check shows a public consumer resource card with .gov links instead of a Draft Pack.
How much does it cost?
Draft Pack $34; ×3 Credits $79 for the same person only. Free pre-check first. Not a filing service.