Insurance denied your claim? Start with a free review.
Tell us what happened. We read the denial, tell you what can be done and how long you have, and if you want us to act we handle the claim or appeal for a flat fee you approve first.
What we handle
- Denied medical claims
- Out-of-network reimbursement
- Bills you paid and need reimbursed
- Underpaid or misprocessed claims
- Medical-necessity denials
- Internal appeals and external review
What it costs
The review is free. Other fees are quoted before any work and charged only if you say yes. Insurer payments go to you or your provider, never to us.
What happens next
- Within one business day you get our read of the denial, your deadline, and a quote if action is worth it.
- If you say yes, you sign a short agreement and your plan's authorization form, and upload the EOB and bills through a secure link.
- We file and follow it through the insurer, and you track status in your portal.
Your rights, briefly
You generally have 180 days from a denial to file an internal appeal, and if the plan says no again, many cases can go to an independent external review (HealthCare.gov). You can appoint someone to handle it for you; employer plans must recognize an authorized representative under Department of Labor rules, and Medicare has its own representative form. Deadlines are the reason to start now.
Straight answers
- We act only with your written authorization and only on the claims you name.
- Small balances are often fastest to fix with a call to the provider's billing office; if that's your case, we'll tell you in the free review.
- We don't give legal advice, and we can't guarantee an insurer's decision.
- Your documents are handled with encrypted transfer, minimum-necessary access, and deletion when the case closes.
Our patient service agreement, authorization forms, and fees are reviewed by healthcare counsel before we accept a case. Submitting the form is a request for a free review, not an engagement.
Sources
- HealthCare.gov, Internal appeals (generally 180 days from the denial to file)
- HealthCare.gov, External review
- U.S. Department of Labor, Benefit claims procedure regulation FAQs (authorized representatives)
- Medicare.gov, Claims and appeals (appointing a representative)
Figures attributed to a source are that source's; commonly used benchmarks are labeled as such. Verify deadlines against your own payer contracts.