Prior Authorization Denials

Prior authorization 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.

A prior authorization denial doesn't always mean the treatment wasn't medically necessary.

Sometimes it means the insurer wants more information.
Sometimes it means a different process was expected.
Sometimes it means an appeal is required.

The denial letter doesn't always make that clear.

Most insurers give 180 days to appeal, and expedited decisions for urgent medical needs can come within 72 hours if requested. Check your denial letter for the exact deadline that applies to you.

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.

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Why people upload their prior auth denial

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.

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

A prior authorization denial can be difficult to understand. Understand your denial before deciding how to respond.

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

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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 →

Out-of-network bill →

Insurance claim denial →

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Your free overview is being prepared. You'll receive it by email by the next working day before 4pm.
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Full analysis + appeal letter

After your free overview, a full written analysis and ready-to-send appeal letter 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
Assessment of whether the denial criteria were correctly applied under your plan
Identification of peer-to-peer review and expedited appeal options
A ready-to-send appeal letter to your insurer
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 — upload your denial and we'll explain what the stated reason means and whether an appeal looks worth pursuing. No payment required. If you want the full written analysis and a ready-to-send appeal letter, that's a one-time fee of $79. No subscription. No hidden charges.

A prior authorization is a requirement from your insurer that your doctor get approval before providing certain services, medications, or procedures. Without it, your insurer may deny coverage even if the service was medically necessary.

Yes. Most insurers have an internal appeal process. If the internal appeal fails, you may have the right to an external independent review. For urgent situations, expedited reviews are often available within 72 hours.

A peer-to-peer review is a direct conversation between your doctor and a physician at your insurance company about the medical necessity of a treatment. It's often one of the most effective ways to overturn a denial — but your doctor needs to request it.

Standard internal appeals typically take 30 days. Expedited appeals for urgent situations should be resolved within 72 hours. External reviews have their own timelines depending on your state.

No. DoIPayThat provides plain-language document overviews. Not legal advice.

Related guides

Guide

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PDF, JPG, or PNG · no commitment · full analysis optional

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