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Denial Decoder

Free guides · No account needed

Your denial letter names a reason. Your contract decides whether it holds.

We published the whole method, free — how to find the clause, what to put in the letter, and where it goes next. Read it and do it yourself. Or upload your letter and we'll do it in about ten minutes.

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The guides

This is the part most sites keep behind a form.

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Before you write

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What reading a denial properly looks like

Every denial names a reason. The question is whether the contract says what the letter claims it says.

The denial letter

Your claim has been denied as a pre-existing condition.

Your contract · Section 4.1

…a condition that existed before the Effective Date and would have been detectable by a visual inspection …

The letter names a reason. The clause adds a condition the letter never addresses. How to spot this yourself →

Or we'll do it for you

Same method as the guides. Upload the denial letter and your contract, and we find the clause the denial rests on, rate how strong the denial looks, and draft the letter. You read it, edit it, and send it.

  1. Upload the denial. The contract is optional to start.

  2. See the verdict free, before you pay anything.

  3. Pay only if you want the letter drafted.

$29 per letter

$49 with USPS Certified Mail included. No subscription, no recurring charges.

You see the verdict before you're asked to pay.

Where are you right now?

Just researching?Read the free guide

What we don't do

We're not a law firm and this isn't legal advice.

We don't promise results, and we don't publish success rates.

You review and send every letter. Nothing goes out in your name without you.

Free previews are deleted after 7 days.

Questions, answered

No. Every guide and every tool on this site is free, with no account and nothing to upload.

Results aren't guaranteed. What we can tell you is that many denials cite broad exclusions without pointing to a specific contract section — and sometimes the exclusion the company cites isn't even in your contract. We show you exactly where you stand before you pay anything.

The strength of an appeal is in the contract analysis, not the price. We find the specific clause, quote it, and build the letter around it — the same thing a paid professional would start with.

A template doesn't know what your contract says. We read your actual contract, plan, or warranty and cite its clauses by section and page, and we flag where the denial letter contradicts it.

Upload their response and we'll draft the next step for $29 — a second appeal, an escalation letter, or a complaint to your state regulator or the BBB.