Your health insurance said no. See how to appeal, and by when.

Take a photo of the denial letter or Explanation of Benefits. See the reason, your deadline and what to send, and get your appeal letter ready.

  • Your letter stays on your phone
  • Rules from HealthCare.gov and Medicare.gov
  • Free check. $49 letter, refunded within 30 days if it doesn't help
Sample statement with an invented insurer and numbers.

How it works

  1. Take a photo

    Of the denial letter or the Explanation of Benefits (EOB).

  2. See the reason and the deadline

    What the denial means, your appeal deadline, and what to send.

  3. Send your appeal

    An appeal letter and a phone script, ready to use.

Why you can trust it

  • It stays on your phone

    Your letter is read in your browser. Nothing is uploaded or stored.

  • Official rules

    Deadlines and rights come from HealthCare.gov, Medicare.gov and federal regulations.

  • A registered US company

    AppealCheck is run by LIFEWORKS GROUP LLC, New Mexico Business ID 7715331.

  • Pay only if it helps

    The check is free. The letter costs $49, with a full refund within 30 days.

Questions

Is the check really free?

Yes. You see the reason, your deadline and what to send for free. You only pay $49 for the ready-to-send appeal letter and phone script.

Is my letter uploaded?

No. The photo or PDF is read on your phone, in your browser. We never receive it, and we never ask for your medical records.

Do appeals work?

Often. In 2023, 44% of appealed in-network denials in HealthCare.gov plans were overturned, yet only about 1% of denials were appealed (KFF).

Is this medical or legal advice?

No. AppealCheck is information to help you appeal. Your doctor's support often makes the difference.

Does it work in Spanish?

Yes. The app is in English and Spanish. The appeal is written in English for your insurer, with a Spanish translation for you.

Your denial, explained in two minutes

Free, private, and on your phone. You decide what to send.