Your insurer said no.
Understand why. Know your deadline. Answer back.
Upload a denial letter or an Explanation of Benefits. Overturn explains it in plain English, shows your rights and deadlines with the law behind each one, and drafts the appeal letter you send.
For job-based, Marketplace, and individual plans. Not Medicare, Medicaid, TRICARE, or VA.
From the letter
“The requested service is not medically necessary. Based on the clinical information submitted, our medical guideline MHP-MSK-014 requires documentation of at least six weeks of conservative treatment… Reason code: 50.”
In plain English
The plan denied the MRI because its guideline wants six weeks of physical therapy or similar treatment on record first. The letter does not say the MRI was useless, only that this paperwork is missing.
Free · Nothing stored · No account
About a minute. A phone photo of the letter is fine.
Why this matters
- 19%
- of in-network claims on HealthCare.gov were denied in 2024
- < 1%
- of those denials were appealed by the consumer
- 34%
- of the appeals that were filed succeeded
People do not skip the appeal because they agree with the denial. They skip it because the letter is unreadable, the rights are unknown, and the deadline is invisible. Source: KFF, 2024
Upload once. Then three steps.
Understand
Every fact, with the exact words it came from. A summary at an 8th-grade level. Your first deadline as a date and a countdown.
Know your rights
Five questions. Then the protections that apply, most relevant first, each with its legal citation and a link to the source.
Draft your appeal
A letter built only from your facts and those rights, with visible blanks for what only you know. Edit, download, send.
The model reads. The code decides. You send.
An AI is good at reading a messy letter. It is the wrong tool for deciding which law applies, because it cannot be audited. So Overturn splits the job.
Every fact has a receipt
Tap any fact to see the sentence and page it was read from. Nothing is summarized without a quote.
Every right has a source
Which rules apply is computed by code from a dataset where each rule carries its citation, its primary source, and the date a person last verified it.
Every deadline shows its math
Start date, rule, result. If your letter states a shorter window than the law allows, Overturn says so.
A person is one tap away
Your state's free Consumer Assistance Program and regulator, on every screen. Overturn informs; they can advise.
Overturn gives information, not legal advice: it never tells you what to do, never predicts whether an appeal will succeed, and never stores your document, which is read once, in memory, then discarded.
State rules for California, New York, and Texas; the federal baseline everywhere else. Read how it works and why.
Have a denial in hand?
Read it with Overturn in about a minute, or try one of seven fictional samples first.