80% of properly-filed insurance appeals succeed, but most people never appeal because they don't know how. Here's an honest comparison of every option available to you.
How each option stacks up across 5 key criteria
| Criteria | Hire a Lawyer | Patient Advocate | DIY Appeal | ClaimBack RECOMMENDED |
|---|---|---|---|---|
| Cost What you pay | $200 - $500 / hour Retainers often $2,000+ | $150 - $300 / session Multiple sessions typically needed | Free But your time has value | Free to start Full letter from $9 |
| Time Required Start to finish | 2 - 8 weeks Scheduling, back-and-forth, revisions | 1 - 4 weeks Faster than lawyers, slower than DIY | 10 - 40+ hours Research, writing, revisions, follow-up | 3 minutes AI + real denial data, instant analysis |
| Success Rate Likelihood of overturn | 70 - 85% | 50 - 70% | 30 - 50% | ~60% |
| Expertise Needed What you need to know | None needed (lawyer handles it) You still need to find the right one | Low (advocate guides you) Quality varies significantly | High (you need to know the law) Must research regulations yourself | None needed AI handles the legal research |
| Stress Level Emotional burden | Low - Medium Cost itself is stressful | Medium Still requires your involvement | Very High Confusing, isolating, emotional | Very Low Guided process, clear next steps |
It's free to analyse your claim. In 3 minutes you'll have a professional appeal letter citing the actual regulations your insurer must follow. If it works (and it does ~60% of the time), you've saved thousands.
Analyse My Claim — FreeThree reasons our users choose ClaimBack over traditional options
ClaimBack analyses your denial and generates a professional appeal letter instantly. No scheduling appointments, no waiting for callbacks, no weeks of back-and-forth. Enter your details, get your letter.
Every appeal letter cites the actual insurance laws, regulations, and ombudsman pathways specific to your country and insurer. MAS Notice 120 in Singapore, FCA Consumer Duty in the UK, ACA parity rules in the US, and 40+ more regulatory bodies.
Insurance companies employ teams of lawyers and claims assessors to deny your claim. A proper legal response used to cost hundreds or thousands of dollars. ClaimBack gives you that same firepower for the cost of a sandwich.
Common questions about appealing insurance denials
Analyse your denied claim in 3 minutes. Get a professional appeal letter citing the regulations your insurer must follow. Free to start.
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