Guides · Know your rights · Updated July 2026

The rights insurers hope you don't know

Congress wrote real protections into law. Insurers rarely mention them, because most denials that violate these rules are never challenged.

Mental health parity

Coverage for mental health and substance use can't be more restrictive than medical coverage. A therapy denial that wouldn't happen to a comparable medical claim may be illegal. More on parity denials.

The prudent layperson standard

An ER visit is judged by your symptoms, not your final diagnosis. Chest pain that turned out to be reflux is still a covered emergency. More on ER denials.

The No Surprises Act

Emergency care, out-of-network doctors at in-network facilities, and air ambulances can't balance-bill you. More on surprise bills.

Your ACA appeal right

You are entitled to a full and fair internal review and to independent external review — free. Insurers can't retaliate for appealing.

Don't fight it alone — and don't miss the deadline

AppealClock translates your denial, drafts your appeal letter, and watches every deadline so you can't miss it. Free, no account, your medical details never leave your device.

Start your appeal & set your clock →