AppealSmith
How it works

Three steps, about five minutes

No insurance jargon and no lawyer required — you stay the author and sender the whole way.

  1. Step 1

    Snap your denial letter

    Take a photo or upload the PDF. We pull out the denial codes, dates, and dollar amounts in seconds — then delete the file.

  2. Step 2

    Get your free verdict

    See whether it's worth appealing, the win-rate band for your denial type, what's at stake, and how many days you have left to file.

  3. Step 3

    Build your appeal letter

    Get a formal, fact-checked letter that cites your own policy and follows your plan's rules — ready for you to review and send.

Under the hood

Why the letter holds up

Your appeal isn't written in one shot. It runs an assembly line where each step checks the last.

  1. 1

    Draft

    An AI writes the appeal using your confirmed facts, the rule that governs your plan, your policy pages, and the winning-argument template for your denial code.

  2. 2

    Fact-check

    A second pass verifies every factual claim against your actual policy. Anything it can't verify is removed or flagged — never left to chance.

  3. 3

    Compliance

    We confirm the letter includes what your plan type legally requires: member ID, claim number, the right deadline statement, and any required language.

  4. 4

    Polish

    Finally the letter is set in a formal tone and clean format, ready for you to review, personalize, and send.

All the math — deadlines, dollar amounts, days remaining — is done in plain code, never by the AI. The AI only reads and writes words.

Your denial isn't the final word.

Most people never appeal — and most appeals that are filed win. Find out where yours stands, free.

Get my free verdict