Terms of use

Information only

Denial Facts publishes statistics and general information about health insurance claim denials and the appeal rights created by federal law. It is not legal, medical, or insurance advice, creates no professional relationship, and guarantees no outcome. Your denial letter and plan documents govern your case. Free assistance is available from your state Consumer Assistance Program and HealthCare.gov.

Accuracy

Figures come from CMS Transparency in Coverage Public Use File (PY2024 release, PY2022 claims), data.healthcare.gov — US Government public domain, are self-reported by issuers to CMS, and describe a past plan year. They describe insurers in aggregate and say nothing about the merits of any individual claim. We correct errors promptly — hello@denialfacts.com.

Independence

Not affiliated with any insurer, agency, or review organization. Insurer names are used for identification only.

The Appeal Kit

The Kit is self-help information and templates. We do not prepare, file, or submit anything on your behalf, do not contact your insurer, and do not represent you. Refunds within 30 days, no questions asked.