Your AI insurance-appeal builder

They denied your claim. We build the appeal that gets it paid.

Send us your denial letter or your EOB and an AI advocate builds your grounds for appeal — each one tied to a law, a regulation, or your own plan's rules — then drafts a ready-to-send appeal letter citing statute and precedent.

Free to build your appeal · HIPAA-minded · We never sell your data
Send your denial or EOB Grounds tied to the law Ready-to-send appeal letter
~1 in 5
in-network claims are denied by insurersstudies estimate
<1%
of denied claims are ever appealedstudies estimate
$0
to build your appeal and get a letterbuilding your appeal is free
A man at his kitchen table reads a claim statement with his hand over his mouth

The system isn't built for you to win.

Insurers deny a large share of claims and count on one thing: that you won't push back. The denial letter is dense, the plan language is opaque, and appealing feels hopeless — so almost no one does. Yet a big share of denials that are appealed get overturned. The odds are on your side. Almost nobody plays them.

~1 in 5
in-network claims are denied — often for reasons that don't hold up when you actually challenge them.studies estimate
<1%
of denied claims are ever appealed, even though a large share of appeals succeed.studies estimate
0
simple, trustworthy ways for a member to build a real appeal grounded in the law — until now.that's the gap we fill

Three steps. A few minutes.

You don't need to understand insurance law or plan language. That's the whole point — the AI does. You just hand it the denial.

Hands pulling a letter out of an envelope on a wooden desk, seen from above
The denial arrives. Send it to us.

Send us the denial or your EOB

Snap a photo or upload your denial letter and your Explanation of Benefits. The more detail — denial reason, claim number, plan name — the stronger the appeal. No paperwork handy? We'll walk you through what to gather.

We build the grounds

The AI maps your denial against your plan's own rules, federal and state law, and precedent — the Prudent Layperson Standard, the No Surprises Act, your Evidence of Coverage, ERISA full-and-fair-review — to assemble every ground that applies.

You send the appeal

Get a plain-English breakdown of each ground and a ready-to-send appeal letter citing statute and precedent — so you can send it yourself, or let us file the appeal and negotiate it on your behalf.

The grounds insurers hope you'll miss.

A denial is a position, not a verdict. These are the legal and contractual grounds that overturn denials every day — the ones the AI pulls together and ties, point by point, to your claim.

ACA §2719A

Prudent Layperson Standard

If a reasonable person would have believed it was an emergency, your plan must cover the ER visit — regardless of the final diagnosis. A common, and beatable, denial.

45 CFR §149.110

No Surprises Act protections

For out-of-network emergency care and many facility bills, federal law limits what you can be charged and how the claim must be handled — protections you can invoke by name.

Your plan rules

Your Evidence of Coverage

Your plan is a contract. When a denial contradicts the covered benefits, exclusions, or definitions in your own Evidence of Coverage, that document is your strongest argument.

29 CFR §2560.503-1

Full-and-fair review (ERISA)

Employer plans owe you a full and fair review — the actual reason, the evidence relied on, and a real second look. Procedural failures alone can force a reversal.

Clinical criteria

Medical-necessity denials

"Not medically necessary" is often the weakest denial of all. Matched against your records and your plan's own clinical criteria, it frequently doesn't survive review.

Administrative

Timely-filing & coordination

Denials for "filed too late" or coordination-of-benefits mix-ups between two plans are often administrative, not final — and can be reversed with the right documentation.

One denied ER claim. 4 grounds. $5,180 on the line.

Here's what an appeal actually looks like. A $6,420 emergency-room claim comes back denied. Minutes later, four separate grounds are built — each tied to the specific statute, regulation, or plan rule that overturns the denial, seeking to recover $5,180.

Then the app drafts an appeal letter citing every ground — statute and precedent included — ready for you to review, sign, and send.

Illustrative example for demonstration. Not a real member claim — figures and grounds shown are representative of what the engine produces, not a guarantee of results.

Denied ER Claim
Denial reason: "not an emergency"
Appeal ready
$6,420
Denied
4
Grounds
$5,180
To recover
Prudent Layperson Standard
ACA §2719A · 42 U.S.C. §300gg-19a
No Surprises Act protection
45 CFR §149.110 · out-of-network ER
Evidence of Coverage — covered benefit
Plan contract · emergency care covered
Full-and-fair review demanded
ERISA · 29 CFR §2560.503-1
4 grounds cited · appeal letter ready
Download letter

Start your appeal in the next two minutes.

The Insurance Appeal Sentinel app works on your phone and your computer — same account, same appeals, everywhere.

On your phone

Open the app, then add it to your home screen so it is always one tap away:

1. Tap the button below on your phone
2. In Safari tap Share → Add to Home Screen (Android: menu → Install app)
3. Open it from your home screen and send your denial

Open the app on my phone

On your computer

Prefer a bigger screen? The full app runs right in your browser — sign in, upload photos of your denial and EOB, and manage your grounds and appeal letters from your desk.

Sign in on the web

On your side, never the insurer's.

We make money when you win money — never from the insurer, the plan, or your data. That alignment is the whole product.

  • HIPAA-minded by design

    Denials and EOBs hold sensitive health information, so we treat them that way — built from day one with health-data privacy and a strict data-handling firewall in mind.

  • We never sell your data

    Your information is used to build your appeal and advocate for you — nothing else. We don't sell it, and we're not paid by any insurer or plan whose denial we're challenging.

  • Advocacy, not legal advice

    Insurance Appeal Sentinel is an advocacy and appeal-preparation tool. It helps you build and send your own appeal — it is not a law firm, we are not attorneys, and it does not provide legal advice.

An older couple at home reading a health-plan document together
Your documents. Your appeal. Your money.

You only pay when you win.

Build your appeal and get a ready-to-send letter for free. Want us to file and fight it for you? You pay a share of what we recover — and only if we win.

Free
$0
Build your appeal yourself. Always free, no card required.
  • Your grounds for appeal, built for you
  • A ready-to-send appeal letter
  • Every ground cited to the law
Build my appeal — free
Most popular
We Fight For You
25% of what we recover
We file the appeal and negotiate on your behalf. Only if we win.
  • Everything in Free
  • We file the appeal for you
  • We negotiate on your behalf
  • Recover nothing, owe nothing
Start your appeal — free
Household
$200 / yr
Or $20/mo on a 12-month plan. For the whole household, all year.
  • Unlimited appeals for the household
  • Unlimited appeal letters
  • Same 25% only-if-we-win fee to fight
  • Everyone under your roof covered
Get started free

Pricing shown is indicative for launch and may change. The 25% fee applies only to amounts we actually recover for you — if we recover nothing, you owe nothing.

Our sister app

Overcharged on a bill you do owe?

This site fights denials. If the problem is the bill itself — duplicate charges, upcoded procedures, junk fees — Medical Bill Sentinel audits the bill line by line and builds your dispute.

Visit medicalbillsentinel.com →

The questions everyone asks.

A woman on the phone, taking notes on a folder of documents
Don't fight them alone.
Is this legal advice?
No. Insurance Appeal Sentinel is an advocacy and appeal-preparation tool. You have every right to appeal a denial, to demand a full and fair review, and to cite the laws and plan rules that protect you. We help you build and send your own appeal — but we are not attorneys, not a law firm, and we do not provide legal advice.
What if my appeal is denied again?
A first denial on appeal is rarely the end. Most plans owe you a second internal level, and after that you generally have the right to an independent external review — a neutral third party that can overturn the insurer. The app builds the next-level appeal and points you to your external-review rights.
Do you need my insurance login?
No. We never ask for your insurer portal password. You just send the documents you already have — your denial letter, your EOB, and, if you have it, your plan's Evidence of Coverage. That's everything the app needs to build the grounds for your appeal.
How fast can I appeal?
Building your grounds and drafting the letter takes minutes. Timing matters, though — most plans set an appeal deadline (often 180 days from the denial), so the sooner you start, the more options you keep. The app flags your deadline so you don't miss it.
Do you just write the letter, or fight it for me?
Both — your choice. For free, the app builds your grounds and a ready-to-send appeal letter for you to send yourself. Or choose "We Fight For You," and we file the appeal and negotiate on your behalf — you pay 25% of what we recover, only if we win.
When can I use it?
Insurance Appeal Sentinel is in active development. Join the early-access list and you'll be among the first invited to build an appeal free when we open the doors.

Find out if your denial can be appealed — free.

Join the early-access list. We'll invite you to build your first appeal at no cost the moment we launch.

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