Appeal help · public evidence · employer oversight
Insurers brought AI to the denial. We’re building the data and AI to fight back.
Fight Insurance Denials helps patients challenge a denial, shows the public record behind insurer behavior, and gives employers an independent view of what their plan administrators do with their money.
Free for patients · every public number source-linked · no insurer funding
Insurance noticeDENIED
Evidence + your factsAPPEAL
Reason answered
Deadline checked
Record preserved
Start here
Come with a denial, a question, or a duty to oversee.
01I was denied care or payment
Use the notice to find the deadline, confirm the insurer’s reason, and build a case-specific appeal.
Start an appeal →02I want to check an insurerSearch source-linked denial and appeal records without sharing your member ID or private claim file.
Search the record ↓03I pay for the planSee what a self-funded employer should demand from the TPA making decisions with employer dollars.
See employer oversight →One documented example · Medicare Advantage · 2024
The first “no” was often not the final answer.
Medicare Advantage offers the clearest national view we have today. It is evidence of the appeal gap, not the boundary of this project. We keep Medicare, Marketplace, Medicaid, and employer-plan records separate so a strong number never becomes a misleading one.
Source · KFF analysis of CMS Medicare Advantage data (2024)
- Published
- Jan. 28, 2026
- Source note
- Insurer-reported to CMS; unaudited.
- How to check it
- The original public source is linked below. We label the market, year, and known limits beside the number.
How the system works
The same evidence works at three levels.
The patient tool addresses the immediate denial. The public archive preserves what insurers report. Employer oversight turns the benchmark into accountability.
Upload the notice, check the extracted facts, and build a free appeal draft that answers the stated reason.
We archive, normalize, and source every comparable insurer record. Missing data stays visible.
Self-funded employers can ask whether their TPA’s denial patterns, appeals, and reporting match the plan they are paying for.
The asset no one else is preserving
Public reports disappear. A time series cannot be rebuilt later.
The first required prior-authorization reports covering 2025 activity were posted across insurer websites in 2026. There is no single government database that makes them comparable. We are preserving the original files and building the normalized record year by year.
- Find the original file and keep its source trail.
- Translate inconsistent labels without erasing the insurer’s wording.
- Show missing counts and incompatible definitions instead of guessing.
The Denial Index
Find the record that matches your insurance.
Public data differs by Medicare, Marketplace, Medicaid, and employer coverage. We label the market, year, measure, and source before showing a number.
Medicare AdvantageCompare prior-authorization records →Coverage through workSee what your employer must request →State and Medicaid recordsBrowse what is available →
Marketplace plans · Search 2024 public claims data by the name on your card.
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For self-funded employers and plan fiduciaries
Your administrator denies care with your money. You still carry the duty to oversee it.
The Fiduciary Denials Audit gives benefits leaders and boards an independent view of denial patterns, appeals, disclosure gaps, and the questions their TPA should have to answer.
Explore fiduciary oversightIndependent by design. We take no insurer money. The public record can show a pattern; it cannot decide whether one claim should be paid or replace a doctor or lawyer.
Read the limits →