OwedInsurance appeals
Health insurance denials

Your insurer said no. We prepare your appeal and send it. You decide.

Upload the denial letter. We find why it was denied, your deadline and your appeal rights, and draft the appeal. You read it, edit it, approve it. Then we fax it to your insurer's appeals department and mail a certified copy, with receipts.

Add your denial letter or eobPDF or photos of the denial notice. Include every page.

What kind of coverage is this?
Could waiting a month or more harm your health?If yes, we'll set up an expedited (72-hour) appeal.
Is this the first denial, or a denied appeal?
More details (optional, finds more)

Free scan first. Full appeal, sent for you, $59 only if you want it. Files are private and deleted after 30 days.

No document handy? See a full sample appeal.

NOTICE OF DENIAL OF MEDICAL COVERAGEOD-1147395

We denied your request for: MRI lumbar spine (72148)

Why: Not medically necessary. Records do not show 6 weeks of conservative therapy.

You have the right to ask us to reconsider. You must ask within 65 days of the date of this notice.

Ask for the criteria used. Doctor's letter answers the 6-week rule. File by Jan 5.

Deadline: Jan 5
  • Free scan before you pay
  • Deleted after 30 days
  • Nothing sent without your OK

What you get for $59

Why it was denied, and how to answer it

We sort the denial into one of nine reasons, from medical necessity to timely filing, and give the strategy that answers that reason.

Your deadline and your rights

Your filing deadline from the notice or the rule for your plan type (ACA, job-based, Medicare Advantage, Original Medicare, Medicaid), plus expedited and external-review rights.

Sent, with proof

After you approve it, we fax the appeal and your denial notice to the plan's appeals fax and send a certified-mail copy. Delivery receipts go to your email, plus reminders before each deadline.

What we check

Denial reasonMedical necessity, prior auth, out-of-network, coding, timely filing and more.
DeadlineCounted from your notice date by the rule for your plan.
Fast-trackWhether you qualify for a 72-hour expedited appeal.
Defective noticeRequired information the denial left out.
Claim fileYour right to the criteria and documents used against you.
Independent reviewWhen an outside reviewer can overrule the plan.

How it works

  1. Upload the denial. A PDF or phone photos. Add a few details if you like.
  2. Get the free scan. Why it was denied, your deadline, and how many appeal points we found.
  3. Unlock the full appeal for $59. Every finding, the rule behind it, and the documents filled in.
  4. Approve it, and we send it. Read and edit the appeal. When you approve, we fax it to the plan and mail a certified copy, and email you the receipts.

Questions

Is this legal or medical advice?

No. Owed is a document-preparation and sending service. We are not lawyers and we don't represent you. We prepare documents from published appeal rules and send them only after you approve them. Free help is available from your state's consumer assistance program or, for Medicare, your SHIP.

Will my appeal be approved?

Nobody can promise that, and we don't. Published data (see the Denial Decoder for sources) show that very few denials are ever appealed. What we can promise is a complete, on-time appeal that says what the rules allow you to say.

What if the fax doesn't go through?

We retry, then fall back to certified mail. If we can't deliver your appeal at all, we refund you.

What happens to my documents?

Stored encrypted in a private bucket and deleted automatically after 30 days, or right away when you click delete. Never used for analytics or training.

Do you send it for me?

Yes, but only after you read and approve the final letter. Nothing goes out in your name without your click.

Owed is a document-preparation and sending service, not a law firm. We are not lawyers, we don't represent you or negotiate for you, and nothing here is legal or medical advice. Results depend on your plan, your provider and your case.