Your insurance claim was denied. Fight back.
40–60% of appeals succeed — yet most people give up without trying.
Source: Kaiser Family Foundation (KFF). We're collecting our own data.
Generate a professional, policy-specific appeal letter in 30 minutes. No lawyer needed.
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Health
Denied your surgery or treatment claim?
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Denied your life insurance payout?
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Denied your travel insurance claim?
AppealAI is an AI document generation tool, not a law firm. Nothing on this site constitutes legal advice. Always review your letter before sending.
50M+
Annual denied claims in the US
40-60%
Appeals success rate (KFF)
$0
Start free — no card needed
30 min
To generate your letter
Sound familiar?
You're not alone. Every year, insurance companies deny over 50 million claims. Most people give up — but they don't have to.
The denial letter is 4 pages of legal jargon
You don't know what CO-50 means. You don't know which law applies. You just know your doctor said you need this — and the insurance company said no.
"I don't even know where to start."
— Reddit user, r/HealthInsurance
Researching an appeal takes 15-20 hours
Finding the right regulations, understanding your policy, drafting arguments — it's essentially a part-time job. And you're already dealing with a medical situation.
"Successfully appealed after 6 weeks but it took 20+ hours. There has to be a better way."
— Reddit user
Hiring a lawyer costs $300+/hour
Public adjusters take 10-15% of your settlement. Attorneys charge $300+ per hour. For a $2,000 claim, the cost-benefit math just doesn't work.
"Is there a template? I don't want to hire a lawyer for a $2,000 claim."
— Reddit user
There's a better way.
AppealAI generates a professional, policy-specific appeal letter in 30 minutes — citing the exact regulations that apply to your case.
30-Minute Generation
Answer a few questions about your denial. Our AI analyzes your case and generates a complete appeal letter, ready to submit.
Cites Real Laws & Your Policy
We don't use generic templates. Your letter cites the specific federal regulations (ACA, ERISA) and your exact policy terms that apply to your denial.
Complete Appeal Roadmap
What if internal appeal fails? We map out every next step: external independent review, state insurance commissioner complaint, and more.
How It Works
Your appeal in 4 steps
From denial to submission-ready letter in under 30 minutes.
Describe your denial
Fill in your insurance type, denial date, and reason code from the denial letter.
Add medical context
Share your diagnosis, provider, and treatment details so the AI can build your case.
AI writes your appeal
Our AI generates a professional, regulation-cited letter in seconds — no templates.
Download & send
Download as PDF, print, sign, and mail or fax to your insurer.
Free account · No credit card required
Simple, transparent pricing
Start free. Upgrade when you need unlimited letters and premium features.
Free Plan
- 1 appeal letter per week
- Professional, personalized letter
- Cites your denial code & policy terms
- Applicable federal regulations (ACA, ERISA)
- Free account included
Pro Plan
Billed weekly · Cancel anytime
- Unlimited appeal letters
- AI-powered paragraph polish
- Priority generation queue
- Email delivery of finished letters
- Priority support
Average denied claim: $3,500. Average attorney fee: $1,050. AppealAI starts at $0.
The data is on your side
40–60% of health insurance appeals succeed.
— Kaiser Family Foundation
Insurance companies deny 1 in 5 in-network claims.
— AHIP Industry Report
Most people who successfully appeal spent 15-20 hours on their own.
What people are saying on Reddit:
"Is there a service for this? I'd pay for it. The denial letter is 4 pages of legal jargon."
— r/HealthInsurance
"Successfully appealed after 6 weeks but it took 20+ hours. There has to be a better way."
— r/HealthInsurance
"Fighting for $5,000. Lawyer wants $500 retainer. Anything cheaper?"
— r/Insurance
Frequently asked questions
Legal Disclaimer
This tool helps you prepare appeal documents and is intended for informational purposes only. It is not legal advice, and using this tool does not create an attorney-client relationship. Appeal Copilot is a document preparation service, similar to TurboTax for taxes or LegalZoom for legal documents.
Results vary. A 40-60% success rate cited on this page refers to industry data reported by the Kaiser Family Foundation (KFF) and does not guarantee any specific outcome for your case.
For complex cases or when significant legal rights are at stake, we recommend consulting a licensed attorney or certified patient advocate.