US Insurance Denials

Insurance claim denied?
Before you pay out of pocket — make sure your insurer got it right.

Your insurer said no. Before you accept the denial, understand exactly why — and whether it deserves a closer review.

An insurance denial doesn't always mean the treatment wasn't covered.

Sometimes it means the insurer wants more information.
Sometimes it means a code was applied incorrectly.
Sometimes it means an appeal is all that's needed.

The denial letter doesn't always make that clear.

Appeal deadlines are often shorter than people expect and vary by insurer and plan. Check your denial letter for the exact date before deciding what to do next.

Free first overviewUpload your denial and receive a plain-language explanation of what the insurer is actually saying.

No subscriptionOne denial, one review. The full analysis is $79 if useful — nothing ongoing.

Everything in writingNo sales calls, no phone scripts. You get a written overview you can read, save, and refer back to.

DoIPayThat is an independent service. We are not affiliated with, endorsed by, or acting on behalf of any insurance company.

Get my free overview

Usually by the next business day

Why people upload their denial letter

The denial reason isn't clear.
The insurer says the treatment wasn't covered.
A claim that should have been covered was denied.
The denial references codes or policy terms that are difficult to understand.
The bill is too large to simply accept without understanding what happened.
The appeal deadline is approaching.

Many people upload because they have one simple question:
"Am I about to pay a bill my insurance should have covered?"

An insurance denial can be difficult to understand. Understanding it first often makes deciding what to do much easier.

Insurance denials are more common than many people expect. Some are straightforward. Others deserve a closer look before you decide what to do — and the only way to know is to understand what the denial actually says first.

Free overview

Get your free overview

Upload your denial letter. We'll explain the stated reason, identify anything worth questioning, and tell you whether the denial appears straightforward or may deserve closer review before you pay out of pocket.

Choose a file or drag it here

PDF, JPG or PNG · max. 8 MB

A phone photo is fine — just make sure the text is readable.

We'll only use this to send your free overview. No marketing emails.

Your document is used only to prepare your overview · Never shared with third parties

Is your situation more specific?

General medical bill or EOB →

Prior authorization denial →

Out-of-network bill →

We've received your document.

Your free overview is being prepared. You'll receive it by email by the next working day before 4pm.
Please also check your spam folder.

Full analysis + response letter

After your free overview, a full written analysis and a draft appeal letter based on your documents is available for $79 — one time. It gives you a clear, specific basis for deciding whether to appeal, in writing, before you pay out of pocket.

After free overview

$79

One-time · No subscription · Secure payment

Find out whether the insurer's explanation appears consistent with the information provided in the denial
Identification of missing information, unanswered questions, and issues that may deserve clarification before accepting the denial
A clear assessment of whether an internal appeal or external review is worth pursuing
A draft appeal letter or resubmission request based on your documents, ready for you to review and send
Delivered by email by the next working day before 4pm

Start with the free overview

The free overview comes first. The full analysis is optional — only if it would be useful.

The free overview is enough for some people. If it already answered your question, you don't need to go further.

We review every denial the same careful way and put the result in writing, instead of a phone call you might not remember the details of afterward.

Common questions

We don't offer phone consultations. Everything is delivered in writing by email, which lets us review every document carefully and keep the service affordable. You'll get something you can read, save, and refer back to.

It's used only to prepare your overview. It is not shared with third parties, advertisers, or insurance companies.

The first overview is free — you upload your letter, we explain what the denial means and flag anything worth questioning. No payment required. If you want the full written analysis and a draft appeal letter based on your documents after reading the overview, that's a one-time fee of $79. No subscription. No hidden charges.

Denial codes vary by insurer but common ones include CO-97 (bundled service), CO-4 (inconsistent modifier), PR-1 (deductible not met), and many others. The free overview explains what your specific code means in plain English.

Yes — most denied claims can be appealed internally through your insurer first. If that fails, you may have the right to an independent external review. Timeline and process depend on your state and plan type.

Coverage denials are sometimes based on a misclassification of the service or a missing prior authorization. These are worth reviewing carefully before accepting the denial.

Appeal deadlines vary by plan, insurer, and state — and are often shorter than people expect. The deadline is usually stated in your denial letter. Don't assume you have time; check the letter as soon as you receive it.

No. DoIPayThat provides plain-language document overviews and response guidance. Not legal advice, not legal representation.

Insurance claim denied?
Before you pay out of pocket — make sure your insurer got it right.

When your insurance denies a claim — what to do

What is an EOB (Explanation of Benefits)?

Medical bill review

Was this a prior authorization denial specifically?

Have an out-of-network bill instead?

Insurance claim denied?Before you pay out of pocket — make sure your insurer got it right.

When your insurance denies a claim — what to do

What is an EOB (Explanation of Benefits)?

Medical bill review

Was this a prior authorization denial specifically?

Have an out-of-network bill instead?

Insurance claim denied?
Before you pay out of pocket — make sure your insurer got it right.