I missed the appeal deadline — am I done?

Not always. Many plans accept late appeals for 'good cause' (you didn't receive the denial letter, the EOB was confusing, you were in active treatment). State DOI complaints don't have the same deadline. We assess every angle.

Will appealing make my insurance retaliate?

ACA prohibits retaliation. Appealing a denied claim is a federally protected right and the insurer cannot lawfully cancel coverage or raise rates because you exercised it.

Health insurance · Claim denials · Appeals

Insurance denied your claim? You probably have grounds to win.

Insurers deny 17% of claims. Less than 1% are appealed. About half of appeals win. We do the appeals — citing the plan's own medical-policy language and the federal protections that apply.

$500 – $50,000+ · ~50% of properly-filed appeals overturn the denial

FREE

first month

50% OFF

for life

+1 mo

per friend

If any of this is happening to you

We have the playbook for your exact situation.

Denial letter says 'not medically necessary' for something your doctor ordered

Out-of-network claim denied for an emergency or hospital-based service

Procedure denied as 'experimental' that's actually FDA-approved

Insurer missed the federal 30-day decision deadline

Pre-authorization approved, then claim denied after the service

The law on your side

ACA Internal & External Review

Authority

42 USC §300gg-19 · 45 CFR §147.136

Every non-grandfathered plan must offer internal appeal (within 180 days of denial) plus access to an independent external review when the insurer upholds the denial. Urgent care decisions: 72 hours. ERISA plans add 29 CFR §2560.503-1 on top.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in ACA apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

Not always. Many plans accept late appeals for 'good cause' (you didn't receive the denial letter, the EOB was confusing, you were in active treatment). State DOI complaints don't have the same deadline. We assess every angle.

Still wondering? Email hello@dotandcross.io — we read every message.

Closes the day we launch

First month free.
50% off for life.

Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.