Overturn
Terms of Service
Effective July 8, 2026 · Updated October 6, 2026 (coverage, provider use, practice portal)
By using Overturn you agree to these terms. If you do not agree, please do not use the service.
What Overturn is
Overturn is an educational document-preparation tool. It reads the health-insurance denial letter you provide and drafts an appeal letter grounded in publicly available federal regulations, state statutes, and independent-review outcome data, for your review and signature. The draft is yours to review, edit, and send, or not send, as you choose. Overturn does not send anything to your insurer and does not represent you before any insurer, regulator, or review organization.
Not legal or medical advice
Overturn does not provide legal or medical advice and is not a substitute for an attorney, a licensed patient advocate, or your health-care provider. We are not a law firm, we are not attorneys, we are not a public adjuster, and no attorney-client or similar relationship is created by using the service. The letters and analysis are informational document templates assembled from public sources. For advice about your specific situation, consult a licensed attorney, your state's consumer assistance program, or your health-care provider.
What the letters are grounded in, and where
Every regulation or statute cited in a draft must resolve to a record in our published dataset; an automated review flags any citation that does not and shows it to you before you download. Federal claims-and-appeals rules are covered for every state. On top of those, we maintain hand-curated state statutes for California, Florida, Georgia, Illinois, New York, and Texas, and California independent medical review decisions published by the Department of Managed Health Care. In any other state the draft relies on the federal records only. Self-funded employer (ERISA) plans are routed to the federal claims procedure rather than state law, and Medicare Advantage denials to the federal Part C process, because state insurance statutes generally do not apply to them. Statutes change; the dataset is refreshed on a schedule, not in real time, and you should verify any citation that matters to your case.
You own the decision to send
You are responsible for reviewing the generated letter, including every citation, date, dollar amount, and factual claim, before using it. AI-generated content can contain errors, including statements the cited source does not actually support. Where our automated review flags issues it cannot verify, we show them to you; read them. Deadlines matter in insurance appeals: verify your appeal deadline against your denial letter and plan documents, not against anything the tool infers.
No guarantee of outcome
Appeal outcomes depend on your plan, your facts, and your reviewer. Historical overturn rates and insurer statistics shown in the analysis are aggregate figures from public sources, not predictions about your case. We make no promise that any appeal will succeed.
Using Overturn for someone else
Submit only denial letters that are yours or that you are authorized to act on. Caregivers, patient advocates, and health-care providers may use the service for a patient only with that patient's authorization. The free service is a consumer tool: it is not a HIPAA business associate of any provider, and a provider who submits a patient's information is responsible for having the authority to disclose it. The letter is drafted in the member's voice; a provider-voice letter is a separate feature under development.
Practice portal preview
The practice portal at /portal is a preview built on synthetic data for design partners. It stores what you enter only in your own browser, offers no security appropriate for real patient information, and must not be used with real patient, claim, or remittance data. A production practice tier, with a business associate agreement and its own terms, will replace it.
Acceptable use
Do not use the service to harass, defraud, or misrepresent; do not submit documents you have no right to submit; do not attempt to probe, overload, scrape, or disrupt it; and do not use it to build a competing dataset. We may limit the number of letters an address or network can generate in a period to keep the service available to everyone.
Price
Overturn is currently free to use. We may introduce paid features in the future; anything already generated for you stays yours.
Privacy
How we handle your information is described in the Privacy Policy, which is part of these terms.
Data sources and attribution
California independent medical review data is published by the Department of Managed Health Care under a Creative Commons attribution license, and letters that cite it carry the required attribution. Insurer statistics come from public filings and reports (for example, CMS transparency files and New York Department of Financial Services filings) and are presented as submitted by the issuer, not as verified by us.
Disclaimers and limitation of liability
The service is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose. To the maximum extent permitted by law, Overturn and its operators are not liable for indirect, incidental, special, or consequential damages, or for any loss arising from reliance on generated content, missed deadlines, or appeal outcomes. Our total liability for any claim relating to the service is limited to the greater of $100 or the amount you paid us in the past 12 months.
Changes and termination
We may modify or discontinue the service or these terms at any time. Changes take effect when posted here, with the effective date updated. We may suspend access for use that violates these terms.
Governing law
These terms are governed by the laws of the State of California, without regard to conflict-of-law rules.
Contact
Questions about these terms: support@overturn.co.