Frequently asked questions
Questions, answered straight.
No fine print, no runaround. Here is exactly how AppealIt works, why it's free, whether any of this is legal, and what your basic rights are when an insurer says no. We draft your appeal with every citation verified; you review, sign, and file it.
Free for you. Grounded in your plan's own rules. Every citation verified.
The short version of everything.
If you don't see your question, email us at [email protected]. A real person answers. Below, grouped by what people ask most.
01 · The basics
How it works
How does AppealIt actually work?
You tell us what was denied and share your denial letter. We find your plan's own coverage rules, then draft an appeal that answers the exact reason you were denied, and we check every citation against its source.
Then you review it, sign it, and file it with your insurer. We draft and verify; you stay in control the whole way. We never file anything for you behind your back.
Do you use AI?
Yes, and every citation is checked against the source before anything is filed. On our held-out testing, our appeals had 0 invented citations, versus about 1 in 4 for raw AI. That is a result measured on our own testing, not a promise about your specific case.
You, and where needed your clinician, review the appeal before it goes anywhere. The AI does the heavy drafting. Verification is the part we never skip, and it's the part most tools quietly leave out. See it on your own denial, free.
How long does it take?
Telling us about your denial takes a few minutes. Building and verifying your appeal happens quickly after that.
The thing to watch is your plan's deadline, often 60 to 180 days from the denial, so the sooner you start, the more options you have. We track that deadline for you so it doesn't slip past.
02 · The money question
How it's free
What's the catch? How is it free?
It is genuinely free for you. There is no fee, no contingency, and nothing taken from any money or care you recover.
AppealIt is funded by partnerships, not by patients and not by insurers. We never take money from you, and we never take money from your insurer. That is the whole model.
If a partner funds this, will my appeal be biased?
No. Your appeal is built only from your plan's own rules and your records, independent of any partner. Partnerships fund the service so it can be free; they do not shape what your appeal says.
The whole point is to make the strongest honest case for your coverage. An appeal that bent to anyone but you wouldn't win, and wouldn't be worth doing.
Will you ever ask for my payment information?
No. There is no paywall, no credit card, and no upgrade. We do not ask for payment because we never charge you.
If anything ever asks you to pay AppealIt to appeal, it isn't us.
03 · The fine print
Is this legal
Are you a law firm?
No. AppealIt is not a law firm, and this is not legal representation. You prepare and file your own administrative appeal to your insurer, which is the right any patient has.
We help you draft it and we verify the citations. We do not represent you and we do not give legal advice. If a case ever needs a licensed attorney, we will tell you plainly rather than pretend we can do something we can't.
Is this medical advice?
No. We do not decide what care you need or give medical advice. Care decisions stay between you and your prescriber.
What we appeal is the administrative decision your insurer made. If an appeal needs a new medical-necessity opinion, that comes from a licensed clinician, not from us.
Do I have a right to appeal a denial?
In most cases, yes. Under the Affordable Care Act, if your plan denies a claim you generally have the right to an internal appeal with your insurer, and if they still say no, the right to an external review by an independent third party outside the insurance company.
The exact steps and deadlines are in your plan documents and on your denial letter, and we help you use them. A denial is the start of a process you are entitled to, not the end of one.
04 · Your situation
Your denial basics
Can't I just do this myself?
Yes, and you will: you are the one who signs and files. The reason most people don't is that a strong appeal is hours of work, finding your plan's actual coverage rules, citing them correctly, and not missing a deadline.
We do that part for free and verify every citation, then you review, sign, and submit your own appeal. We do the part that makes people give up.
What kinds of denials do you handle?
GLP-1 coverage denials, such as Wegovy, Zepbound, Mounjaro, and Ozempic, are our current focus. We also take on the high-volume, winnable kinds: coding errors, eligibility mix-ups, missing or lapsed prior authorizations, step-therapy requirements, and out-of-network surprises.
There is no condition floor and no minimum bill size. Tell us what was denied and we will look at it honestly, including telling you if it isn't worth fighting.
What happens if I lose the first appeal?
A first no is rarely the last word. Most plans have multiple levels: an internal appeal with your insurer, and then an external review by an independent reviewer outside the insurance company. We prepare each level so you can keep going.
Results vary by case and we cannot promise an outcome, but a single denial is not the end of the road.
What are the deadlines to appeal?
Deadlines vary by plan, but appeals are often due 60 to 180 days from the date of your denial, and they pass quietly. Your denial letter and plan documents list the exact window.
We track your deadline so it doesn't slip past you, which is the single most common way a winnable appeal is lost.
Still have a question?
Ask us anything. A real person answers.
If your question isn't here, email [email protected] and we'll get back to you. Or just start, it's free, and it takes a few minutes to find out if your denial can still be appealed.