Health insurance appeals, without the runaround
AppealFlow helps US patients fight health insurance denials with free appeal letter generators, denial code lookup, and deadline calculators. Upload your EOB, customize the draft, and export PDF or Word. Generators stay free; optional paid packs add filing checklists and external review templates.
Optional document packs when you want checklists and external review templates.
Document preparation only
Templates and checklists—not legal or medical advice.
Built for real deadlines
Track internal appeal and external review dates.
Free core tools
Letter generators stay free; optional paid document packs.
Try the appeal generator
Upload a denial letter or enter claim details. Edit the draft before you download.
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Free calculators & lookup tools
Traffic-friendly utilities that pair with our letter generators. Each tool has its own guide and schema.
Builder
Med necessity letter
Draft a clinician-ready letter of medical necessity for denied tests, drugs, and procedures.
Lookup
CPT codes
Look up 90837, 99203, 97110, and other common CPT codes with denial and appeal tips.
Lookup
ICD-10
ICD-10 codes for back pain, CHF, CAD, and more—linked to medical necessity appeals.
Lookup
Denial codes
Search CO, PR, and CARC reason codes on your EOB and see what they mean plus appeal next steps.
Calculator
Deadlines
Estimate internal appeal, external review, and urgent/expedited filing dates from your denial notice.
Guide
EOB explainer
Paste EOB line items to see plain-language labels for allowed amount, patient responsibility, and denial codes.
Calculator
Deductible vs OOP
See how deductible and out-of-pocket max interact before you pay a medical bill.
Guide
External review
How independent external review works after a final internal denial.
Guide
Bills & credit
How unpaid medical bills may affect credit—and how appeals fit in.
Checker
Prior auth
Answer a short checklist to see if your service likely needs prior auth and how to appeal a denial.
Checker
Surprise bills
See if federal surprise billing protections may apply to an ER, air ambulance, or facility bill.
Guide
State guides
Find your state's external review agency, complaint portal, and typical deadlines after an internal denial.
Specialized appeal generators
Free tools for common denial types. Each page includes a short practical guide — not a promise of approval.
GLP-1 Appeals
PharmacyDraft an appeal for denied Wegovy, Zepbound, Ozempic, or Mounjaro prior authorization.
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MRI & Imaging
ImagingAppeal a denied MRI, CT, or PET scan using medical-necessity documentation.
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No Surprises Act
EmergencyDispute an out-of-network ER or facility surprise bill under federal law.
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Dental Appeals
DentalAppeal denied crowns, implants, root canals, or orthodontia with clinical records.
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Financial Aid
EducationRequest a FAFSA professional judgment review or appeal a SAP suspension.
Open tool →
Medical Necessity
ClaimsRespond to a “not medically necessary” denial with diagnosis, records, and guidelines.
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Prior Auth
ClaimsAppeal a missing, delayed, or denied prior authorization before you lose coverage.
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Rx / PBM
PharmacyAppeal a PBM or insurer formulary denial, quantity limit, or non-formulary drug.
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Step Therapy
PharmacyRequest an exception when the plan requires you to try a cheaper drug first.
Open tool →
How It Works
Three simple steps to a professional appeal letter — no account required.
Step 1
Upload or enter details
Drop your EOB or denial letter for OCR scanning, or manually enter carrier and denial details.
Step 2
Generate your letter
The tool drafts a formal appeal with plan-specific language and clinical arguments you can edit.
Step 3
Download free PDF
Edit the letter live, then export to PDF or Word, print, or email — no account required.
What happens after a denial?
Federal rules require most US health plans to offer an internal appeal when they deny coverage. Your notice lists the deadline and where to send evidence. Use our appeal deadline calculator as a worksheet, then draft a letter with the free generator.
If internal review upholds the denial, many fully insured plans must offer external review. Plan type matters: self-funded employer plans under ERISA follow different paths than ACA marketplace coverage.
Legal & Clinical Compliance
Every letter can include citations to federal protections that insurers must follow.
ERISA §503
Full and fair review rights for employer-sponsored health plans.
ACA §2719
Internal appeals and external review protections under the Affordable Care Act.
No Surprises Act
Emergency out-of-network billing protections and good faith estimates.
Frequently Asked Questions
Common questions about health insurance claim appeals and how AppealFlow works.