About this site
Insurance Appeal Helper is a free, independent information site that helps people understand insurance denials and prepare their own appeals. It is an automated project: content is compiled from public government and regulator sources, checked and dated, and reviewed on a schedule.
What it does
- Plain-language guides and deadline tables for health insurance denials, plus disability, homeowners, renters, auto and travel.
- Fill-in-the-blank letter templates that run entirely in your browser.
- A directory of state insurance department complaint pages with last-verified dates.
What it does not do
- It does not give legal, medical, insurance or financial advice and does not create any attorney-client or advisory relationship.
- It does not review your case, submit appeals for you, or promise any result. Most letters here are starting drafts.
- It does not collect your health information (see privacy).
- It does not claim to be the only or best resource. Free tools and help also exist, including state consumer assistance programs, nonprofits and AI-based letter services; compare and use what fits.
Accuracy
Each fact links to a source and carries a last-verified date. Laws and plan rules vary by state and plan and change over time; your notice and policy control. Pet insurance and vehicle-related rights (lemon law, warranty, repairs) are covered by other projects and are not duplicated here; for vehicles see the independent Vehicle Rights Guide.
Corrections
This project does not have a public inbox yet. If you spot a stale link, please check the source page linked beside the fact; the maintenance schedule re-verifies the directory regularly.