Question 1

What should I do if my insurance claim is denied?

Accepted Answer

First, don't panic — and don't accept the denial as final. You have the legal right to appeal in virtually every country. Start by reading your denial letter carefully to understand the stated reason. Then gather supporting documents such as your policy, medical records, and doctor's notes. Next, write a formal appeal letter that specifically addresses the denial reason and cites the relevant insurance regulations. ClaimBack automates this entire process: you provide your denial details, and our AI generates a professional, regulation-citing appeal letter in about 3 minutes.

Question 2

How long do I have to appeal an insurance denial?

Accepted Answer

Appeal deadlines vary by country, state, and policy type, but they typically range from 30 to 180 days from the date you receive the denial notice. In the US, most health insurance plans give you 180 days for internal appeals under ACA rules. In the UK, the FOS has a 6-month window. In Singapore, timelines depend on the insurer and FIDReC rules. Missing your deadline can mean losing your right to appeal entirely, so it is critical to act quickly. ClaimBack identifies the exact deadline that applies to your situation.

Question 3

What is the cost of appealing an insurance denial?

Accepted Answer

The cost depends on the approach you choose. Hiring a lawyer for an insurance appeal typically costs $300–$500 per hour, with retainers often exceeding $2,000. A patient advocate may charge $150–$300 per session. Writing the appeal yourself is free but can take 10–40+ hours of research and most people miss key legal citations. ClaimBack offers a free claim analysis and generates a full professional appeal letter for just USD 12 — or The Full Fight bundle for USD 59, which includes counter-letters and escalation templates.

Question 4

Can I appeal an insurance denial on my own without a lawyer?

Accepted Answer

Absolutely. The vast majority of successful insurance appeals are filed by policyholders themselves — without a lawyer. What matters most is submitting a well-structured appeal letter that addresses the specific denial reason and cites the correct regulations and medical guidelines. This is exactly what ClaimBack provides. Our AI generates a professional letter referencing real laws (such as ACA parity rules, FCA consumer duty, or MAS Notice 120) so you can advocate for yourself effectively.

Question 5

What percentage of insurance appeals are successful?

Accepted Answer

Studies from the Kaiser Family Foundation (KFF) and HealthAffairs show that 40–60% of properly-filed insurance appeals are overturned in the patient's favour. Some sources report even higher success rates for appeals that include strong medical evidence and correct regulatory citations. The key is filing a thorough, well-documented appeal — which is why fewer than 0.2% of denied claimants actually appeal, yet those who do often win. ClaimBack helps you be one of them.

Insurance claim denied?
Fight back in 3 minutes.

The cost of NOT appealing

How it works

Insurance claim denied?Fight back in 3 minutes.

The cost of NOT appealing

How it works

Insurance claim denied?
Fight back in 3 minutes.