Request
Fill in the 60-second form and upload your denial letter. It goes straight to our team.
Your insurer denied your claim. We build the case to overturn it.
Send us your denial letter. Get a free expert assessment in 24 hours. Decide what to do next.
Get my free assessmentSend what you already have.
Required
Denial letter
The notice from your insurer stating why coverage was denied.
If billed
Explanation of Benefits
Include your EOB only if you have already received a bill.
Never needed
No Social Security number
No forms or medical records for the free assessment.
Why trust us with your appeal.
No win, no fee
We only get paid if you win.
No upfront cost, no retainer, no hourly billing. If the appeal doesn't work, you owe nothing — in writing before we start.
The odds, honestly
Most denials are never challenged.
Fewer than 1% of denied claims are ever appealed — yet roughly half of appeals succeed. The system counts on you giving up.
Free either way
Your assessment is yours to keep.
Within 24 hours you get a real plan: the denial analysis, the strongest angle, the deadline. Use it yourself or let us run it.
How it works
Request. Receive. Decide.
About 60 seconds to start. No intake maze.
Receive
Get your personalized assessment within 24 hours.
Decide
Use the roadmap yourself or ask us to run the appeal.
The assessment
Your denial, turned into a plan.
Four answers. Delivered free within 24 hours.
Denial analysis
What the insurer’s reason means—and what it leaves open.
Winnability read
A candid view of the strongest path and the gaps.
Appeal roadmap
The evidence, records, and escalation route to use.
Deadline
The date that matters and what must happen before it.
Why us
Your first appeal shapes the next one.
Get the record right before the stakes get higher.
Policy language matters
Winning arguments connect clinical evidence to the insurer’s exact criteria.
Deadlines close doors
Missed steps can narrow your escalation options.
Mistakes compound
A weak first appeal becomes part of the record and is harder to unwind.
The stakes are real
Care can stay blocked or a large balance can remain unpaid.
FAQ
Direct answers.
The essentials, without the fine-print maze.
What exactly do I send?
Your insurer’s denial letter. Add the EOB only if you have already been billed. No Social Security number is needed.
What happens after the assessment?
Use the roadmap yourself or ask us to run the appeal. There is no obligation to continue.
How does this work before surgery?
We assess the approval path and identify the evidence needed to challenge the denial.
What denials do you review?
We currently focus on consequential commercial-insurance denials blocking care or leaving a large balance.
Is Owed Health a law firm?
No. We manage insurance appeals as an authorized representative; we do not provide legal or medical advice.
Can you guarantee approval?
No. Outcomes cannot be guaranteed; the assessment shows the evidence, gaps, and credible path.
Guide
How to appeal a denied claim.
A denial isn't a verdict — roughly half of appealed denials get overturned, yet fewer than 1% are ever appealed. Here's the process.
Read the denial letter
Find the specific reason — "not medically necessary," "experimental," "prior auth required" — plus the policy clause cited and your appeal deadline. The reason is the battlefield: an appeal that doesn't rebut it almost never works.
Get the plan's actual policy language
Request the full policy or clinical guideline your insurer cited — they must provide it. Many denials collapse once you read the real criteria, because the denial misapplied them.
Build evidence around the reason
"Not medically necessary" needs a letter of medical necessity mapping your case to the policy's own criteria, point by point. "Experimental" needs FDA approvals, clinical guidelines, and peer-reviewed evidence. A vague doctor's note ("patient needs this") is the most common reason appeals fail.
File the internal appeal in writing
Submit before the deadline with a cover letter rebutting the reason, the physician's letter, clinical notes, and the denial letter. Keep copies and proof of delivery. Your first appeal creates the record everything later depends on — a weak one narrows every later option.
If denied, go external
Fully insured plans generally qualify for independent external review — a third-party reviewer whose decision the insurer must honor, at no cost to you. (Employer self-funded ERISA plans usually don't; that's a different path.)
Mind the deadlines
Internal appeals are commonly 180 days but vary by plan; external review requests often have their own window. A missed deadline usually ends the appeal.
Free assessment
Request yours in about a minute.
Fill this in — your email app opens with everything pre-filled. Attach your denial letter and send.