Terms of use

By Andrew at Axion Labs · August 19, 2026, updated September 5, 2026

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 (PY2026 release, PY2024 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@getaxionlabs.com.

Independence

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

Any paid step that posts a letter

We do not offer one today. If we ever do, these five rules govern it, and they are reproduced here in the words they were written in so that they can be held against us:

The patient signs the letter, and the letter is sent in the patient's name. We never sign, we never write as them, and we never describe ourselves as acting on their behalf.
The paid step is print-and-post of a patient-signed letter. It is fulfilment, not filing. No copy on any page may say “we file your appeal”, “we appeal for you”, or “we handle it”.
Florida is geo-blocked for the paid step, and the paid step is never advertised into Florida, because §626.854 is not limited to property claims the way Delaware (18 Del. C. §1750/§1759(b)), California (Ins. Code §15007) and Texas (Ins. Code §4102.001) are.
A signed authorisation from the patient is mandatory before anything is posted (29 CFR 2560.503-1(b)(4); DOL Information Letter 27 Feb 2019; 45 CFR 147.136; NAIC Model 75). There is no self-executing right to write to an insurer for someone else.
A US-licensed insurance-regulatory lawyer reviews the paid step before it launches, covering licensing and UPL as well as privacy. Desk research cannot close this and this plan does not pretend to.

We are not a law firm and nothing here is legal advice. We do not file appeals for anyone, and we do not write to an insurer as anyone.

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 14 days of purchase, no questions asked. Email hello@getaxionlabs.com and we refund in full, no reason required, nothing to return. One refund per customer.

Work out your two deadlines

The federal timeframes: 180 days from the date on the denial notice to file the internal appeal, then 4 months from the final internal denial to request independent external review. Put your date in and get the actual calendar dates, with the days remaining.

Date on your denial notice Which denial is this?

Runs entirely in your browser, the date you type is never sent to us and never stored. Open the full calculator →

Terms pages are usually written to protect the company from the reader. This one is mostly here to be honest about what we are not: not a law firm, not your insurer, and not able to overturn anything ourselves. What we do is publish federal data and the rights that come with it, and sell one small product that puts dates around your own letter. If anything here reads as though it is trying to trap you, tell me and I will rewrite it.

, Andrew at Axion Labs · hello@getaxionlabs.com

Where these numbers come from

Counts: CMS Transparency in Coverage Public Use File (PY2026 release, PY2024 claims), data.healthcare.gov — US Government public domain. Rights and timeframes: 29 CFR 2560.503-1 (180 days, and your free right to the claim file) and 45 CFR 147.136 (4 months, and what qualifies), explained at HealthCare.gov. Expedited review is decided in about 72 hours under both sections.

Reading either regulation from a script rather than a browser: eCFR answers automated fetches with a challenge page, so the same two sections are mirrored as government PDFs at govinfo.gov (29 CFR 2560.503-1) and govinfo.gov (45 CFR 147.136).