Denied? Find out free
if it's worth fighting.
Upload your denial letter or bill — the free diagnosis tells you what it is, whether it's worth fighting, which path fits, and every deadline. And when it's not worth fighting, we say so. Grounded in real overturned cases.
in-network claims were denied in 2024
of denied claims are ever appealed
of denials are overturned at external review
Sources: KFF analysis of ACA Marketplace plans (denials & appeals, 2024). Most people never push back — appealing is free and often worth it.
Why was your claim denied?
The denial reason determines your strategy. Pick the one on your letter or EOB.
Medical necessity denial
Denied as “not medically necessary” — how to push back.
Read the guideExperimental / investigational
Denied as “experimental” — how to challenge it.
Read the guideOut-of-network / ER
ER or out-of-network denial — know your protections.
Read the guidePrior authorization
Denied for “no prior auth” — how to fix it.
Read the guideSurprise / balance bill
Surprise bill? The No Surprises Act may protect you.
Read the guideMedical bill errors
Itemized-bill errors are common — how to spot them.
Read the guideFrom "what is this?" to a plan — in three steps
No legal jargon. The documents do the talking — IntelClaim does the heavy lifting.
Upload what you got
Your denial letter, EOB, or bill — even if you're not sure which is which. That happens in the IntelClaim app, not on this site.
Get your free diagnosis
What it is, whether it's worth fighting, and which path fits — appeal, No Surprises Act, financial assistance, or negotiation — with your exact deadlines on a calendar.
Act and close the loop
If it's worth fighting, build the appeal packet, submit it, and track the case to the end — reporting how it ended keeps the read sharper for the next person.
Purpose-built for one job
Not a generic chatbot
IntelClaim is built specifically for health-insurance denials and medical bills — sharper at this one task than a general-purpose AI.
Real overturned cases
It draws on a library of real overturned cases and the strategies that worked in them.
We tell you when not to fight
If the numbers, the clock, or the rules are against you, the diagnosis says so — and shows the better path instead: financial assistance, a state complaint, or negotiation.
You stay in control
IntelClaim helps you help yourself. It's a self-help tool — not legal, medical, or insurance advice — and never guarantees an outcome.
Find out free if it's worth fighting
The diagnosis is free: what your denial or bill really is, whether it is worth fighting, which path to take, and every deadline. Purpose-built for this one job and grounded in real overturned cases. A self-help tool — you stay in control.
How to appeal a health insurance denial
The complete, plain-English guide — find the reason, meet your deadline, write the letter, and escalate.
Read the guide Free toolGenerate your appeal letter
Diagnosis says it's worth fighting? Don't start from a blank page — build a tailored appeal letter in minutes.
Generate your letterFrequently asked questions
Is IntelClaim really free?
The diagnosis and deadline tracking are free — no card, no catch. You upload your denial or bill and get an honest read: what it is, whether it is worth fighting, which path, and every deadline. It is a self-help tool, not legal, medical, or insurance advice.
What if my case is not worth fighting?
Then the diagnosis says so, plainly — and shows what is worth doing instead, like hospital financial assistance, a state complaint, or direct negotiation. Telling you when not to fight is part of the job.
How is this different from using a general AI chatbot?
IntelClaim is purpose-built for one job: health-insurance denials and medical bills. It is grounded in a library of real overturned cases and appeal strategies, so it focuses on the arguments, paths, and deadlines that actually decide cases.
Do I need an account?
You create a free account — that is what powers your deadline calendar and case tracking, so no filing window slips past you. No payment is needed for the diagnosis, and no protected health information is collected on this marketing site.
Will I win my appeal?
No tool can guarantee an outcome. What we can say honestly is that very few people appeal, and at independent external review roughly half of denials are overturned — so pushing back is often worth it. You stay in control the whole way.
Start with the free diagnosis
Upload your denial or bill and get an honest read — worth fighting or not, which path, what deadline. Grounded in real overturned cases. A self-help tool, you stay in control.