Your insurance denial, decoded.
Paste your denial letter or upload a photo. In about thirty seconds you'll get a plain-English explanation, your appeal deadline, the exact escalation steps, and a list of documents to gather.
- No account required
- We don't store your letter on our servers
- PPO • HMO • Medicare • Marketplace
Source: Kaiser Family Foundation analysis of ACA marketplace claims.
See a real denial, decoded
From confusing letter to clear next step - in about 30 seconds.
NORTHSHORE HEALTH PLAN - ADVERSE DETERMINATION
Claim #2026074155001 · CPT 70551
DETERMINATION: DENIED (MN-02).
Services not deemed medically necessary per plan medical policy; conservative treatment not documented prior to advanced imaging.
You may request internal appeal within 180 days.
Here's what it actually means
They denied your MRI because they want proof you tried 6 weeks of conservative treatment first.
Next step: Ask your doctor for a Letter of Medical Necessity, then file your internal appeal.
Real example, simplified. We don't store your letter on our servers, and it's never used to train AI.
How it works
Denial letters are written by underwriters, for underwriters. We translate them into something you can actually act on.
Step 1 - Paste or upload your letter
Add the text or a photo / PDF. PPO, HMO, Medicare, Medicaid, and ACA supported.
Step 2 - We decode it in ~30 seconds
We pull out the real denial reason, your deadline, and the plan rules that apply.
Step 3 - You take action
Follow the escalation steps, gather the listed documents, and generate your appeal letter.
Built from a letter we almost gave up on
Denial Decoder started with a letter my father got - a denial none of us could understand, with a deadline we almost missed. We learned the hard way that most denials can be appealed, and that most people never do. So we built the tool we wish we'd had: paste your letter, get it in plain English, and know exactly how to fight back. For patients, by patients.
Built around your privacy
We don't store your letter on our servers, and it's never used to train AI. To analyze it, it's sent to our AI provider (Google Gemini) under an agreement that doesn't use your data for training. As with any online service, transient processing by our infrastructure providers may briefly occur.
- No accounts, no profiles, no tracking pixels in your letter.
- AI explanations are sourced from a curated knowledge base, not the open web.
- Plain-English read of the denial reason
- Your appeal deadline & how to count the days
- Step-by-step escalation ladder
- Checklist of documents to gather
- Optional: formatted appeal letter PDF
Rather not upload anything? Use our free templates.
You don't have to share your letter to get help. Download ready-to-edit appeal templates and fill them in yourself - completely offline, nothing sent to us.
A formatted health-insurance appeal letter you can customize with your own details.
For your doctor to complete, the strongest attachment for medical-necessity and prior-authorization denials.
Want it done for you instead? Decode your letter.