Overturn.Start my appeal

Health-insurance appeals

Denied doesn't mean done.

Overturn reads your denial letter and drafts a compliant appeal — grounded in federal regulations, state statutes, and 10,713 real California independent-review decisions. No fabricated citations, ever.

Start my appeal — freeOverturn for practices & advocates
See the data behind the odds ↓
  • Free
  • No account required
  • About 2 minutes
  • Every citation verified

How it works

Three steps. One letter your insurer has to answer.

1

Show us the denial

Paste the letter, upload the PDF, or snap a photo. Then answer six short questions — state, plan type, urgency — so we know which rules protect you.

2

Six specialists go to work

A pipeline of specialized AI agents extracts the facts, classifies the denial, matches the exact federal and state regulations, and picks a strategy anchored in real overturn-rate data.

3

Review, download, send

You get a complete appeal letter plus an honest analysis of your odds. A final automated review verifies every citation against the source data before you ever see it.

The part that matters: every statute the letter cites must resolve to a real regulation in our dataset, and every case reference must come from a real review decision. If the automated check can't verify something, it flags it to you instead of papering over it.

The data

The odds are better than your insurer wants you to think.

<1%

of denied claims are ever appealed. Insurers count on that.

KFF analysis of marketplace claims

77–91%

of prior denials were overturned on external review in California's most common medical-necessity categories.

California DMHC IMR decisions, 2021–2025

10,713

real independent-medical-review decisions ground every analysis we produce.

California DMHC public dataset

35–50%

of internally appealed denials were reversed by major insurers themselves.

CMS Transparency in Coverage, 2024 data year

Honesty cuts both ways: when our data is too thin to score your specific case, the analysis says so. You'll never see an invented confidence number — a gray "not enough data" beats a fake green 78 every time.

Coverage

Deep in six states. Honest everywhere.

We'd rather tell you exactly what we cover than pretend to cover everything. Federal protections apply in every state; these are the states where we've hand-curated the statutes on top — and in five of the six, the law gives you a binding independent review your insurer can't overrule.

California

Flagship

8 hand-curated statutes (Knox-Keene + Insurance Code), dual-regulator routing, and 10,713 real IMR decisions powering case-specific precedents and honest overturn rates.

New York

Binding external review

7 statutes including §4914 — a binding external-appeal right your insurer must honor. HMO and non-HMO plans routed to the right rules.

Texas

Binding external review

Utilization-review and Independent Review Organization statutes (Ch. 4201/4202) — Texas runs its own binding IRO — plus HMO and out-of-network network-adequacy rules, and CMS insurer-level appeal statistics.

Georgia

Binding external review

Patient's Right to Independent Review Act — a favorable IRO decision is final and binding on the plan — plus the internal grievance-hearing rules.

Illinois

Binding external review

Health Carrier External Review Act — on a reversal the carrier must immediately approve coverage — plus the clinical-peer internal-appeal rules.

Florida

Full statutes

4 statutes across HMO and commercial plans, with federal HHS external review (45 CFR §149.510) as the escalation surface.

In any other state — or on a self-funded employer (ERISA) plan — we draft on the federal baseline (ACA §2719 appeals rights, ERISA claims procedure) and tell you precisely what we couldn't cover, in the letter and in the analysis.

FAQ

Fair questions.

Is this legal advice?
No. Overturn is an educational document-preparation tool. We are not a law firm and no attorney-client relationship is created. You review, edit, and decide whether to send the letter. For advice on your specific situation, talk to a licensed attorney or your state's consumer assistance program.
What happens to my denial letter?
It's processed to generate your appeal, then it's gone: uploads are handled in memory, results expire within about an hour, and the diagnostic record we keep for up to 30 days has your raw letter replaced with an anonymous fingerprint and identifiers masked. We never sell data, never use it for ads, and never let it train AI models. Full details in the privacy policy.
How much does it cost?
Nothing right now. No account, no credit card. If we add paid features later, anything already generated for you stays yours.
Will my appeal actually win?
We can't promise that — anyone who does is selling something. What the data shows: most denials are never appealed, and when they are, a large share get overturned. Our analysis gives you an honest, data-grounded read on your specific case, including when the odds look weak.
Where do the citations come from?
From committed, versioned datasets: federal CFR regulations pulled from official government sources, hand-curated state statutes for California, Florida, Georgia, Illinois, New York, and Texas, and 10,713 California DMHC independent-medical-review decisions (2021–2025). An automated reviewer verifies every citation in your letter resolves to a real record before you see it.
Can I use this for a family member or client?
Yes, if you're authorized to act on their behalf. Patient advocates and caregivers use denial letters they're authorized to handle; the letter is drafted in the member's voice.

Your appeal window is measured in days, not intentions.

Most plans allow 180 days from the denial date to appeal — some as few as 30. The letter takes about two minutes. The clock is already running.

Start my appeal — free