Human-written insurance appeals

Your insurer said no.
We write back.

Free AI tools generate a template. We write the appeal like a professional advocate would — with specialist knowledge in your denial type, policy-specific citations, and the language insurers actually respond to.

Specialists in the denials insurers bet you'll give up on: ABA & autism therapy · mental health residential · specialty drugs · prior auth · surprise out-of-network bills

Start Your Appeal See how it works
Flat fee
$99 per appeal
Or contingency
20% of what we win
Turnaround
48 hours
The Reality

Insurers deny claims because they count on you giving up.

1in5
marketplace claims were denied in 2024 — nearly 9 million in-network denials across ACA plans alone.
Source: KFF, 2025
<1%
of denials are appealed. The process is deliberately exhausting. Most people never challenge it.
Source: KFF, 2024
40–60%
of appealed denials are overturned. When people actually fight, they win most of the time.
Source: KFF & federal data
Why ClaimBolt

Free AI tools write templates. We write appeals.

There's no shortage of free AI tools that will spit out a generic appeal letter in 60 seconds. Insurers see hundreds of them a week — and reject most. A real appeal needs a human who understands your policy, your specific denial reason, and the regulations the insurer hopes you'll never cite. That's what you get here.

Free AI Tools
Templated letters, handed back to you
  • Generic template populated from a form — same structure every time
  • No review of your specific insurance policy language
  • No specialist knowledge for ABA, mental health, or specialty drug denials
  • Generic clinical citations, not matched to your insurer's guidelines
  • You submit. You follow up. You escalate. You do it all.
  • No one accountable if the appeal fails
ClaimBolt
Professional appeals, written by a specialist
  • Every letter written by a human who reads your policy cover to cover
  • Specific policy provisions and denial codes cited correctly
  • Deep specialization in the categories where insurers deny most aggressively
  • Clinical arguments tailored to your insurer's published medical policies
  • Contingency option: we manage the entire fight through escalation
  • One person accountable for your case from start to finish
How It Works

Three steps. 48 hours. No mystery.

Send us your denial letter and a few details. We find the exact policy language, regulations, and clinical arguments the insurer ignored — and write the appeal in their own register. You get back a ready-to-send letter that actually speaks their language.

STEP 01

Send your denial

Upload your denial letter, EOB, or itemized bill with the form below. A phone photo is fine. Tell us briefly what happened.

5 minutes
STEP 02

We write the appeal

We read every denial reason code, cross-reference your plan's specific coverage terms, and identify the policy provisions and regulations the insurer overlooked. Then we write the letter — by hand, not template.

48 hours
STEP 03

Send it. Win. Or we escalate.

Flat-fee customers get a ready-to-send letter. Contingency customers get the full appeal managed — including escalation to external review or the state insurance commissioner if needed.

Through resolution
What We Fight

The denials where we win most often.

Generic tools treat every denial the same. We don't. These are the categories where insurers deny most aggressively — and where the deepest playbooks exist.

ABA & Autism Therapy
Typical denial: $15,000–$80,000
Denied as "not medically necessary," "experimental," or for exceeding plan visit limits. Most states have autism coverage mandates insurers violate constantly.
Mental Health Residential
Typical denial: $30,000–$200,000
Inpatient mental health and substance use treatment routinely denied mid-stay. Federal parity law gives you powerful leverage most families don't know about.
Specialty Drugs & GLP-1s
Typical denial: $5,000–$100,000/year
Wegovy, Zepbound, biologics, cancer drugs, rheumatology medications. Step therapy and "not FDA-approved for this use" denials are the most common — and the most beatable.
Surprise Out-of-Network Bills
Typical bill: $2,000–$50,000
The No Surprises Act protects you in more situations than insurers admit. Emergency care, anesthesiology, and ER specialist bills are often wrongly billed.
Prior Authorization
Typical denial: $3,000–$60,000
Surgery, imaging, and procedures denied before they happen. Peer-to-peer reviews fail; written appeals with the right clinical evidence usually succeed.
Coding & Billing Errors
Typical overbill: $500–$20,000
Duplicate charges, unbundled services, wrong CPT codes, upcoding. Studies suggest most medical bills contain at least one error. We find them.
Pricing

Two ways to work with us. Both fair.

Pick the flat fee if you want a professionally written appeal in hand that you'll submit yourself. Pick contingency if you want us to manage the whole fight — and you only pay when we win. Cheaper than any lawyer or billing advocate in both cases.

Flat Fee · Any Denial
$99
Paid once · delivered in 48 hours
A complete, human-written appeal built for your specific denial — not a generic template. You submit and follow up; we do the heavy lifting up front.
  • Full denial review and policy analysis
  • Professionally written appeal letter (human, not template)
  • Policy citations and denial code analysis
  • Insurer-specific tone and language
  • Delivered within 48 hours
  • One round of revisions included
Contingency · Larger Denials
20%
Of whatever we recover · $0 if we don't win
Best for $5,000+ denials where you want us to handle the full fight. You pay nothing upfront and nothing if we lose. Cheaper than lawyers (25–40%) and billing advocates (25–35%).
  • Everything in the flat fee plan
  • $0 upfront — you only pay when we win
  • Full appeals process managed for you
  • Escalation at every level
  • External review and commissioner filings if needed
  • We only make money when you do

Appeals have strict deadlines. Usually 30 to 180 days.

Miss the window and your right to appeal is gone. The sooner you start, the more options we have — including emergency expedited appeals for urgent care.

Start Now →
Who Runs This

A real person, not a platform.

ClaimBolt was built by one person after years of watching friends and family get steamrolled by insurance denials — and seeing how often the winning appeal came down to knowing one specific piece of policy language or one regulation the insurer hoped you'd never find.

This isn't a generic AI chatbot that spits out a template. Every case gets read by a human who knows the denial playbook cold. We specialize in the categories where insurers deny most aggressively because that's where families need the most help and where the leverage exists to actually win.

If we don't think we can help with your specific denial, we'll tell you that upfront and point you toward a free resource instead. That's the deal.

Built For Families · Not Insurers
Frequently Asked

Questions people ask before getting started.

What kinds of denials can you actually help with?
Insurance claim denials across medical, dental, vision, and prescription. Surprise out-of-network bills. Prior authorization denials. "Not medically necessary" appeals. Itemized hospital bills with suspected errors. Our strongest areas are ABA and autism therapy, mental health and substance use residential, specialty drugs, prior auth for surgery and imaging, and surprise emergency care bills. If it doesn't feel right, tell us about it — the case review is free.
Why $99 when free AI appeal tools exist?
Free AI tools generate a template in 60 seconds. Insurers see those templates constantly and reject most of them. A real appeal needs a human to read your actual policy, identify the specific clauses that contradict the denial, cite the right clinical guidelines, and write in the register insurers actually respond to. That's what $99 gets you — a professionally written appeal designed to win, not a form letter. For comparison: billing advocates charge $300–$1,500 for the same kind of work. Lawyers charge $500–$2,000 just to review an appeal letter.
Do I really pay nothing if contingency doesn't win?
Correct. On contingency, you pay $0 upfront and $0 if we don't recover money or coverage for you. We only make money when you actually get something back. If the appeal fails at every level, we absorb the loss.
Can you guarantee my appeal will succeed?
No, and anyone who guarantees a specific outcome is misleading you. What we promise is a professionally written, policy-accurate, evidence-backed appeal that gives you a real chance. Nationally, 40–60% of filed appeals succeed — but fewer than 1% of denials ever get filed. Most people give up. We close that gap.
What if my first appeal is denied?
Most plans have multiple internal appeal levels. After those, you usually have a legal right to independent external review — required by law in most states. After that, you can file a complaint with your state insurance commissioner. On contingency, we handle all of this. On flat fee, we point you to the next step and can quote a second appeal at the same rate.
How do you keep my medical information private?
Everything you send is treated as strictly confidential. We never share your information with your insurer, provider, or any third party without your explicit direction. We don't sell data. If you want your records deleted after your case is resolved, just ask.
Are you a law firm?
No. ClaimBolt is not a law firm and this is not legal advice. We're a professional appeal writing and review service. The vast majority of insurance appeals are administrative matters — not legal ones — and don't require an attorney. If we ever see a case that genuinely needs a lawyer, we'll tell you so.
Start Your Appeal

Let's get your denial reversed.

Submit your case below. We'll review your situation for free within a few hours and tell you honestly whether we can help and which pricing option makes sense for you.

  • Free case review — no commitment, no credit card
  • Response from a specialist within hours
  • 48-hour appeal turnaround once we have your docs
  • Contingency option: $0 if we don't recover

Free Case Review

Takes 60 seconds. No credit card. No pressure.
A phone photo is fine. PDF, JPG, PNG all work. You can send it later if you don't have it handy.

Everything you share is confidential. We never share your information with your insurer or provider.