AI Appeal Letter Generator — Citation-Backed, in 60 Seconds

You give it the facts: paste or photograph your denial letter (documents are read on your device — only the extracted text is sent), and answer a short intake built for your exact dispute type — insurer, claim number, denial reason, amounts, dates.

It writes the letter a specialist would: patient/policyholder block in business format, the denial identified precisely, 3–5 distinct arguments each tied to plan language or law, the specific remedy demanded, a response deadline, and the escalation path named. Every letter ends with a review disclaimer, and every regeneration is included so you can tune tone and details.

1. Analyze (free) — paste your denial into the Denial Analyzer. You get the denial reason in plain English, your appeal odds framing, and the laws that apply. No signup, no card.

2. Intake — pick your category and fill the short form. Fields match your dispute: denial reason dropdowns for health claims, vehicle and offer amounts for auto, promised terms for billing.

3. Generate — the letter streams onto the page, typed line by line. Read it, request changes in plain English ('mention I sent records on May 3rd; firmer tone'), export to PDF, send it.

Each category runs on an expert system prompt loaded with the rules that actually apply: ACA Section 2719 internal/external appeal rights and ERISA review standards for health denials; state Unfair Claims Settlement Practices frameworks, ACV methodology, and appraisal clauses for auto disputes; FCC Truth-in-Billing (47 CFR 64.2401) and 47 U.S.C. 201(b) for billing fights.

Two guardrails keep it honest. The letter uses only facts you supplied — it never invents policy numbers, dates, or events. And anything that should be confirmed before sending (a state-specific statute, an uncertain date) is flagged inline with a [VERIFY] marker instead of asserted. You stay in control of what goes out under your name.

Free templates are a real starting point — we publish complete ones ourselves. Here's what changes when the letter is generated from your facts:

The Denial Analyzer is free — paste your denial, see why you were denied and how to fight it. A complete appeal letter is $19 one-time (2 regenerations included) or $39 for urgent priority framing. Subscriptions make letters unlimited per category: Health Insurance Fighter $25/mo, Auto Claim Fighter $15/mo, Bill Dispute Fighter $10/mo, or Total Fighter — every category including future ones — at $29/mo. Every subscription starts with a 7-day free trial.