Fight Your Insurance Denial.
Win.
56% of appealed denials are overturned. Most people never try. We make it easy.
Analyze My Denial — Free73 million claims were denied in 2023. Less than 0.2% were appealed. You have the right to fight back.
Three steps. Under five minutes.
Tell us about it
Upload your denial letter and answer 3 quick questions.
See your case
We show you why your claim should be paid — for free.
Get your letter
Pay $39 for a complete appeal letter ready to send.
We get it. You're wondering if ChatGPT can do this for free.
It can write you a letter. Here's what it can't do.
| ChatGPT | PayerFlag |
|---|---|
| Writes a generic appeal letter | Knows Aetna denies 99215 to 99213 at 34% and how to fight it |
| Doesn't know your deadline | Calculates your exact filing deadline and warns you |
| Can't cite your payer's own clinical policy guidelines | References your insurer's own guidelines against them |
| No feedback loop — every letter is a fresh guess | Every appeal outcome teaches the engine what actually works |
| You figure out where to send it | Gives you the exact appeal address, format, and certified mail guide |
| Generic regulatory language | Cites the specific federal rule that applies to your denial type |
The difference is data. We've processed thousands of denials and track every outcome. We know what arguments win against which insurers. ChatGPT doesn't — and never will without that feedback loop.
If you're comfortable doing the research yourself, ChatGPT is a reasonable starting point. We built this for everyone else.
Denial types we handle
Medical Necessity Denials
When your insurer says the treatment isn't needed
Out-of-Network Disputes
When you're charged more for seeing an out-of-network provider
Prior Authorization Denials
When your insurer says you didn't get pre-approval
Experimental Treatment Denials
When your insurer calls a proven treatment "experimental"
Claim Coding Errors
When your claim was denied due to a billing mistake
What's in your appeal letter
Addresses your specific denial reason
Cites federal and state regulations
References your right to appeal under the ACA
Sets a 30-day response deadline
Includes instructions for external review
Ready to send — no editing needed
We track every appeal. Every outcome makes us smarter.
Thousands
of denials analyzed
56%
average overturn rate
12
payer-specific playbooks
Every time someone uses PayerFlag and tells us their appeal succeeded or failed, that outcome gets recorded. Over time we know exactly which arguments win against Cigna for prior auth denials, which regulatory cites move United on medical necessity, and which payers fight hardest. That data is ours — it took thousands of real appeals to build and can't be replicated with a prompt.
56%
of appeals overturned
$39
flat fee, no surprises
<5 min
start to finish
Common questions
Is this legal?
Yes. Under the Affordable Care Act, you have a federal right to appeal any insurance denial. Your insurer is required by law to tell you how to appeal.
How long does an appeal take?
Typically 30-60 days for an internal appeal. If denied again, you can request an external review by an independent third party.
What if I lose?
You can escalate to an external review. Your letter includes instructions for this. Most states also have an insurance commissioner you can file a complaint with.
Do you need my medical records?
No. We only need your denial letter or EOB. The appeal letter references your doctor's recommendation without requiring records.
What insurers do you handle?
All major US health insurers: Aetna, UnitedHealthcare, Cigna, Blue Cross Blue Shield, Humana, Kaiser, and more.
Is my information secure?
Yes. We process your denial letter to generate the appeal, then it is not retained after delivery. We never share your information.
Don't let your insurer have the last word.
You have the right to appeal. We'll help you do it.
Analyze My Denial — Free