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
- Nothing stored on our servers
- PPO • HMO • Medicare • Marketplace
From confusing letter to clear next step in 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. Your letter is never stored.
How it works
Denial letters are written by underwriters, for underwriters. We translate them into something you can actually act on.
Drop in your letter
Paste the text or upload a photo / PDF. We support PPO, HMO, Medicare, Medicaid, and ACA plans.
Get the real read
We extract the denial reason, your deadline, and the relevant plan rules — in plain English.
Take the next step
Follow the escalation ladder, gather the right documents, and (optionally) generate a formatted 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 keep your letter, your decoded result, or any appeal content you generate. The analysis happens on demand and is discarded as soon as the response is returned. We don't log letter content.
- 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