Guides
Appeal guides & how-tos
Plain-English guides to understanding your denial, knowing your rights, and winning your appeal. New guides added weekly. Start with the complete appeal guide, or jump to the free tool.
Pillar guide
The Complete Guide to Appealing a Health Insurance Denial (2026)
A denied claim is not the end. This step-by-step guide covers decoding your denial, your deadline by plan type, the appeal letter, and every level of …
Getting started
What to Do the Day Your Health Insurance Claim Is Denied
Got a denial today? Here are the five things to do right now — before the shock wears off and before the clock runs down.…
Know your rights
Your Denial Is Not Final: The Appeal Ladder Explained
Insurers win by making each 'no' feel like the end. It never is. Here's every rung of the appeal ladder — and why the higher you climb, the less their…
Getting started
How to Read Your EOB (and Find the Code That Matters)
An Explanation of Benefits looks like a bill but isn't one. Here's how to read it — and find the one code that decides whether you can fight a denial.…
Know your rights
The Rights Insurers Hope You Don't Know
Federal law gives you protections most people have never heard of — parity, the prudent layperson standard, the No Surprises Act, and the ACA appeal r…
UnitedHealthcare · appeals
How to Appeal a UnitedHealthcare Physical Therapy Denial
UnitedHealthcare denied your physical therapy? Here's the exact playbook: why they deny it, what evidence wins, and your deadline.…
UnitedHealthcare · appeals
How to Appeal a UnitedHealthcare Mental Health Denial
UnitedHealthcare denied mental health or therapy coverage? Federal parity law may be on your side. Here's how to appeal.…
Aetna · appeals
How to Appeal an Aetna Physical Therapy Denial
Aetna cut off your physical therapy? Here's why they do it, the evidence that wins the appeal, and your deadline.…
Cigna · appeals
How to Appeal a Cigna Mental Health Denial
Cigna denied therapy or behavioral treatment? Parity law and your clinician's documentation can overturn it. Here's how.…
Anthem · appeals
How to Appeal an Anthem MRI or Imaging Denial
Anthem denied your MRI, CT, or imaging? Usually a prior-auth or medical-necessity issue — and usually winnable. Here's how.…
Humana · appeals
How to Appeal a Humana Skilled Nursing Denial
Humana cut off skilled nursing or rehab coverage while you're still recovering? Move fast — the deadline is short and the odds are strong.…
Cigna · appeals
How to Appeal a Cigna Prescription Drug Denial
Cigna won't cover your medication? Formulary exceptions and step-therapy overrides can win it. Here's the process.…
Blue Cross Blue Shield · appeals
How to Appeal a Blue Cross Out-of-Network Denial
Blue Cross denied an out-of-network claim? Network-gap exceptions and the No Surprises Act may cover you. Here's how to fight it.…
UnitedHealthcare · appeals
How to Appeal a UnitedHealthcare Emergency Room Denial
UnitedHealthcare denied or downcoded your ER visit? Here's the prudent-layperson rule that protects you, the evidence that wins, and your deadline.…
Aetna · appeals
How to Appeal an Aetna MRI or Imaging Denial
Aetna denied your MRI, CT, or PET scan? Here's the prior-authorization pattern behind it, the evidence that wins, and your deadline.…
Anthem · appeals
How to Appeal an Anthem Mental Health Denial
Anthem denied therapy, residential, or IOP mental health care? Here's the parity law that protects you, the evidence that wins, and your deadline.…
Kaiser Permanente · appeals
How to Appeal a Kaiser Out-of-Network Denial
Kaiser denied out-of-network care? Here's when they still have to cover it, the evidence that wins, and your deadline.…
UnitedHealthcare · appeals
How to Appeal a UnitedHealthcare Skilled Nursing Denial
UnitedHealthcare cut off skilled nursing or rehab? Here's the fast-appeal deadline, the Jimmo rule, and the evidence that wins.…
Aetna · appeals
How to Appeal an Aetna Prescription Drug Denial
Aetna denied your medication? Here is why formulary exclusions and step therapy happen, the exception forms that win, and your deadline.…
UnitedHealthcare · appeals
How to Appeal a UnitedHealthcare DME Denial
UnitedHealthcare denied your CPAP, wheelchair, or other equipment? Here is the documentation that wins DME appeals and your deadline.…
Cigna · appeals
How to Appeal a Cigna MRI or Imaging Denial
Cigna denied your MRI, CT, or PET scan? Here is how eviCore prior authorization works, what evidence overturns it, and your deadline.…
Anthem · appeals
How to Appeal an Anthem Emergency Room Denial
Anthem denied your ER visit as not an emergency? The prudent layperson standard is the law on your side. Here is how to use it.…
Kaiser Permanente · appeals
How to Appeal a Kaiser Mental Health Denial
Kaiser denied or delayed your mental health care? Parity law, timely-access rules, and outside referrals are your leverage. Here is the playbook.…
Ambetter · appeals
How to Appeal an Ambetter Prescription Drug Denial
Ambetter denied your prescription? Here is why their formulary rules trigger it, the exception request that wins, and your deadline.…
Molina Healthcare · appeals
How to Appeal a Molina Durable Medical Equipment Denial
Molina denied a wheelchair, CPAP, or other equipment? Here is the Medicaid rule that beats their criteria, and your deadline.…
Humana · appeals
How to Appeal a Humana MRI or Imaging Denial
Humana denied your MRI, CT, or PET scan? Here is the Medicare rule that limits their criteria, and your fast appeal clock.…
Kaiser Permanente · appeals
How to Appeal a Kaiser Permanente Emergency Room Denial
Kaiser denied an outside ER visit? The prudent layperson standard is the rule that wins. Here is how to use it and your deadline.…
Blue Cross Blue Shield · appeals
How to Appeal a Blue Cross Blue Shield Mental Health Denial
BCBS cut off residential or intensive mental health treatment? Parity law and the ASAM criteria are how you fight back. Here is the deadline.…
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