~50% of appealed denials get reversed

Fight your insurance denial. Start here.

Upload your denial letter and answer a few questions. We'll produce a draft appeal letter — citing the relevant laws and medical necessity standards — that you can review and send yourself.

A drafting tool · Not legal advice · Review before sending

200M+
Insurance denials per year
~50%
Appeals succeed when filed
<1%
Of denials are ever appealed
5 min
To generate your letter

How it works

01

Upload your denial letter

Drop in the PDF you received from your insurer. Our tool reads it and pulls out the key details automatically.

02

Answer a few quick questions

We ask about your doctor's reasoning and your coverage history — takes about 2 minutes.

03

Download your draft letter

We produce a draft appeal letter citing relevant laws and medical necessity standards. Review it, personalise it, then send it yourself.

What the draft letter includes

Not a generic template — a letter built around the specifics of your denial.

Relevant legal citations (ACA, ERISA, Medicare/Medicaid)
Your denial code explained and challenged
Medical necessity argument in clinical language
Your doctor's rationale incorporated
Prior authorization history referenced
Request for expedited review if urgent
Standard business letter format
Downloadable as PDF or plain text
⚖️

Important — please read before using this tool

AppealAI is not a law firm and does not provide legal advice. The draft letter this tool produces is for informational and self-help purposes only. It is not a substitute for advice from a licensed attorney or qualified patient advocate.

The letter is a starting point that you must review and personalise before sending. You are responsible for verifying the accuracy of all information, filling in your personal details, and ensuring the letter is appropriate for your specific situation.

No outcome is guaranteed. Past success rates for insurance appeals vary by insurer, plan type, and individual circumstances. Use of this tool does not create an attorney-client relationship of any kind.

If your denial involves a large amount, a serious medical condition, or a complex coverage dispute, we strongly encourage you to consult a licensed healthcare attorney or a certified patient advocate before submitting your appeal.

Frequently asked questions

Is this legal advice?

No. AppealAI is a document drafting tool, not a law firm. The letter it produces is a starting point for you to review, edit, and submit yourself. If your situation is complex or high-stakes, please consult a licensed attorney or patient advocate.

Will this actually work?

No one can guarantee an outcome. What this tool does is help you write a structured, well-cited letter — the kind that clearly states your medical necessity and references the legal provisions insurers must respond to. About half of all appealed denials are reversed when pursued.

What if my PDF is a scan?

No problem. We use AI vision to read scanned documents, not just text-based PDFs.

What types of insurance does this work for?

ACA marketplace plans, employer-sponsored plans (ERISA), Medicare Advantage, Medicaid, and most private insurance. The letter is tailored to your plan type.

Is my health information safe?

Your data is used only to generate your letter and is not sold or shared with third parties. Your PDF is not retained after parsing.

What if the first appeal fails?

You can return and generate a follow-up letter for a second-level appeal or external independent review — which is your right under federal law.

Don't let your insurer have the last word.

Your draft appeal letter is a few minutes away.

Write My Appeal Letter →