Terms of Service
The short version: this tool helps you understand a letter. It doesn't replace a lawyer, doctor, or your insurer.
What Denial Decoder is
Denial Decoder is an informational tool that helps you read a health-insurance denial letter and drafts a starting-point appeal letter. It provides general information and document drafting - not legal, medical, or insurance advice, and not a substitute for talking to a licensed professional, your provider, or your insurance plan.
No guarantee of outcome
We don't guarantee that filing an appeal will succeed, that a denial will be reversed, or that any timeline, code, or rule we surface is correct for your specific plan. Plan documents and state laws vary, and they change.
Your responsibility
You are responsible for verifying your own deadlines, facts, policy numbers, dates, and any clinical or financial details before sending anything to your insurer. Always confirm appeal deadlines and procedures against your own plan documents (your Summary of Benefits and your denial letter) and, where relevant, your state insurance department.
Use at your own discretion
You use Denial Decoder at your own discretion and risk. Do not rely on it as your only source of information about your rights or your care.
Limitation of liability
To the fullest extent allowed by law, Denial Decoder and its operators are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the tool, including but not limited to denied claims, missed deadlines, or unreimbursed medical costs. The service is provided "as is," without warranties of any kind.
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. See our privacy page for the full picture.
Changes
We may update these terms as the product evolves. Continued use of Denial Decoder after an update means you accept the revised terms.
Contact
Questions about these terms? Email hello@decoderdenial.com.