Insurance denied? Know your next step.
Free guides, deadline estimates, appeal letter templates and a state insurance department directory. Your details stay in your browser: we cannot see them.
Pick your situation
I got a health insurance denial
Start with a checklist, then the deadline estimator and letters.
I need my deadline
Estimate the date and get a calendar reminder, in your browser.
I want a letter template
Internal appeal, expedited, external review, file request, and more.
Prior authorization was denied
Peer-to-peer reviews and pre-service timelines.
My plan comes from my employer
Self-funded vs insured plans and who can help.
Medicare or Medicaid denial
First-level windows and where to get free counseling.
Disability claim denied
Watch the lawsuit time limit in your plan.
Home, renters, auto or travel claim
Policy deadlines and complaints to your state.
Find my state insurance department
Complaint pages for all 50 states and DC, with last-verified dates.
Why act: KFF's analysis of 2024 HealthCare.gov Marketplace claims found fewer than 1% of denied in-network claims were appealed, and insurers upheld 66% of the internal appeals filed. Source: KFF, checked 2026-10-17. This does not predict any one case.
How this is different
- No upload, no AI, no account. Templates fill in on your device. Nothing is sent.
- Dated sources. Every fact links to the agency page it came from, with a last-verified date.
- More than health. Disability, homeowners, renters, auto and travel denials too.