What's included in the $49 vs $199 tier

Three tiers, one payment each, no subscriptions.

$49. First-level internal appeal letter

• A signed-ready, cited appeal letter addressed to your insurer
• The specific plan rule (ERISA 29 CFR 2560.503-1 for group health, or the equivalent for your plan type) named in the letter
• A recipient block with the insurer's appeals address on file
• Mailing instructions and a certified-mail cover sheet
• One PDF, ready to print

Best for: a single denial you want handled correctly, first time through the internal-appeal process, moderate dollar amount.

$99. First-level plus second-level template plus evidence checklist

Everything in $49, and:

• A second-level appeal template you can send if the first-level is denied
• An evidence checklist tailored to the denial reason (what to gather from your doctor, pharmacy, or provider)
• A short guide on how to escalate to the next reviewer

Best for: appeals with a real risk of denial on the first pass, or where you know from experience the plan tends to deny first and reverse on second-level.

$199. Full external-review packet

Everything in $99, and:

• An external-review request drafted under ACA section 2719 (45 CFR 147.136)
• A cover packet for your state insurance department with the NAIC model language your state uses
• A companion sheet with the state DOI complaint form URL and mailing address
• A tracking log template so you can keep both the internal and external tracks organized

Best for: high-dollar claims, ERISA plans where you expect a full escalation, or cases where you already know the internal appeal will fail and want the whole tree ready to go.

Which tier fits which situation

• Under $500 disputed, straightforward billing issue. $49 is enough.
• Medical-necessity denial, expect a fight. $99. The second-level template pays for itself if the first-level is denied.
• Denial you already appealed once and lost, or claim over $5,000 in an ERISA plan. $199. You will want the external-review packet ready.
• Medicaid managed care denial. $99. Second-level template maps to state fair-hearing procedures.

What every tier includes

• No account creation
• No subscription
• Free draft preview before you pay
• Anonymous document assistant, not legal advice
• A support address you can email if anything looks wrong

What no tier includes

• We do not sign or send anything on your behalf
• We do not appear as counsel of record
• We do not give medical advice or predict which drug the plan will cover
• We do not track claim status inside your insurer's portal for you

Change your mind

If you buy $49 and later decide you want the $199 features, email support and we will apply your prior payment toward the upgrade. See How to request a refund for the full policy.

Preview a draft for free at /new.