The Appeal Kit
Everything needed to make both free appeals properly — assembled around your denial reason, not a generic template.
One-time price
$29
No subscription. No percentage of your claim. Opens on screen the moment you pay — print it or save it as a PDF.
Nothing you type goes anywhere. The Kit is assembled inside your own browser. Your denial reason, your dates and your details are never sent to us and never stored — so no health information ever leaves your device.
What is in it
- Your two deadlines, worked out from your denial date, with the expedited route explained.
- The argument that fits your denial reason — not medically necessary, out of network, experimental, administrative and the rest are each beaten differently.
- An evidence checklist: exactly which documents to request from the plan (they must give them to you free), and what to ask your clinician to write.
- A letter of medical necessity brief for your doctor — most clinicians will write one; few know what the reviewer needs to see.
- The external review request — the step 1 in 24,654 denials ever reaches, with what to include so it is not returned.
- What happens next, with the timeframes the plan must meet and what to do when they miss them.
Why $29: a patient advocate charges $500–$2,000, and a health care attorney $2,000–$10,000. Everything on this website stays free, including the data and the deadline calculator. The Kit is for people who would rather not assemble it themselves.
What it is not. The Kit is self-help information and document templates. It is not legal, medical, or insurance advice; we do not file anything for you, do not contact your insurer, and cannot promise an outcome. If you want free help instead, your state Consumer Assistance Program and HealthCare.gov both provide it — and the whole appeal can be done using the free guidance on this site.
Get the Appeal Kit — $29
Secure Stripe checkout · opens on screen the moment you pay · 30-day refund, no questions asked
This page presents federal statistics and a general description of appeal rights created by federal law. It is not legal, medical, or insurance advice, and no outcome is guaranteed. Your denial letter and plan documents govern your specific case. Free help is available from your state's Consumer Assistance Program and from the federal Marketplace at HealthCare.gov.