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.…
Fight it in minutes, free
Translate your denial, draft the letter, and let AppealClock watch every deadline on the ladder. No account. Your medical details never leave your device.
Start your appeal & set your clock →