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2016judea/appeal-the-denial

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Appeal the Denial reads a health insurance denial letter, explanation of benefits or adverse benefit determination that the person pastes in, and returns what was denied and the reason the insurer gave; which appeal rules apply (employer plan under ERISA, ACA Marketplace, Medicare Advantage, Medicaid managed care, Original Medicare, FEHB); the appeal deadline, computed in code from the federal regulation and cited to it; who decides next if the appeal fails; and a draft appeal letter. It never judges whether care was medically necessary and gives no medical advice: the clinical case comes from the person's own doctor, and the draft asks for that letter. Both tools are read-only. The letter is used only for the request and nothing is stored. No account is needed.