Insurance companies deny 1 in 5 healthcare claims, but 80% of appeals succeed. Learn how to challenge improper denials, navigate prior authorization, understand EMTALA protections, and recover compensation for denied care.
Healthcare access denial occurs when an insurance company refuses to authorize or pay for medical care that you or your doctor believes is necessary. These denials take many forms: refusing to cover a prescribed medication, rejecting a request for surgery or specialist consultation, denying emergency room treatment, or declining payment for care you've already received.
The stakes are high. When insurers deny access to care, patients face impossible choices: pay thousands of dollars out of pocket, go without needed treatment, or delay care while fighting the denial. According to 2024 data, 60% of patients whose care was denied experienced delays, and half of those patients reported their medical condition worsened while waiting for approval.
There are two main categories of denials. Pre-service denials (also called coverage denials or prior authorization denials) happen before you receive care—your insurer won't approve the treatment your doctor recommended. Post-service denials (claim denials) happen after you've received care—your insurer refuses to pay the medical bill, leaving you responsible for potentially enormous costs.
Both types can be fought. Federal law and most state laws give you the right to appeal insurance denials, and the success rate is remarkably high—over 80% of appeals result in overturned denials. The problem? Fewer than 1% of patients actually appeal. Insurance companies count on your confusion, exhaustion, and ignorance of your rights. Don't let them win by default.
Your doctor recommends a surgery, specialist visit, medical test, or expensive medication, but your insurer requires pre-approval (prior authorization) and denies the request. Reasons given often include "not medically necessary," "experimental treatment," or "alternative treatments should be tried first." Prior auth denials accounted for 9% of all denials in ACA marketplace plans but have an 80%+ overturn rate on appeal, suggesting many are improper from the start.
The insurer claims the treatment, test, or procedure isn't "medically necessary" according to their internal guidelines—even though your doctor disagrees. This is the insurance company second-guessing your physician's clinical judgment. Medical necessity denials represented only 6% of denials in 2023 data, but they're among the most frustrating because they directly contradict your doctor's expertise. These denials often involve cutting-edge treatments, newer medications, or preventive care.
A hospital refuses to treat you in the emergency room, delays your care while checking insurance, or transfers you to another facility before stabilizing your condition. These denials violate the federal Emergency Medical Treatment and Labor Act (EMTALA), which requires hospitals to screen and stabilize all emergency patients regardless of ability to pay. EMTALA violations carry penalties up to $133,420 per incident for hospitals with 100+ beds, and patients can sue for compensatory damages including pain, suffering, and wrongful death.
Your claim is automatically denied by artificial intelligence software without a human reviewer examining your case. Class action lawsuits filed in 2023-2024 allege that UnitedHealth and Humana use AI tools (nH Predict) with a 90% error rate to systematically deny rehabilitation care, post-acute care, and other expensive treatments. These denials often involve boilerplate language and ignore individual patient circumstances. Courts have allowed these lawsuits to proceed, and several states are considering bans on AI-driven denials.
The claim is denied due to paperwork errors, missing information, incorrect billing codes, or failure to obtain required referrals. Administrative reasons accounted for 18% of denials—the second most common category. These denials have nothing to do with whether you need the care; they're bureaucratic obstacles. The good news: administrative denials are usually the easiest to overturn by simply correcting the paperwork and resubmitting. The bad news: they cause delays that can harm your health.
Your insurer denies or underpays a claim because the provider is out-of-network, even in situations where you had no choice (emergency care, no in-network specialists available, or you didn't know the provider was out-of-network). Out-of-network claims are denied at much higher rates—37% compared to 19% for in-network care. Several states and the federal No Surprises Act offer protections against surprise out-of-network bills, making these denials challengeable.
The insurer claims your policy doesn't cover the service at all, or you've reached a coverage limit (such as a maximum number of physical therapy visits or mental health sessions per year). These denials represented 16% of all denials. However, insurers sometimes incorrectly classify services as "excluded" when they should be covered, especially for preventive care, mental health parity, or maternity services. Federal laws like the Affordable Care Act and Mental Health Parity Act mandate coverage for many services insurers try to exclude.
Insurance companies are for-profit businesses, and every claim they pay reduces their profits. While not all denials are improper, there's an undeniable financial incentive to deny as many claims as possible and hope patients won't appeal. Here's why your claim might be denied:
The brutal math: if insurers deny 20% of claims and fewer than 1% of patients appeal, they avoid paying 19% of claims they legally owe. With billions in claims annually, this represents enormous savings. The December 2024 killing of UnitedHealthcare's CEO ignited public outrage over this practice, highlighting widespread frustration with denials motivated by profit rather than medical evidence.
Class action lawsuits allege UnitedHealth and Humana use AI algorithms (nH Predict) that deny claims without human review and have a 90% error rate. These systems prioritize cost-cutting over patient care, systematically denying rehabilitation services, post-acute care, and expensive treatments. The AI doesn't understand nuanced medical situations—it just identifies patterns associated with high costs and auto-denies them.
Insurers create internal medical policies that are more restrictive than accepted clinical standards. For example, they might require you to fail three cheaper medications before approving the one your doctor recommends, even if medical literature supports using the better drug first. These guidelines prioritize cost over outcomes and second-guess physicians who know your case.
The prior authorization process is deliberately complex and burdensome. Insurers require mountains of paperwork, multiple phone calls, and long waits—hoping doctors will give up or patients will pay out of pocket. The administrative reasons (missing info, wrong codes, lack of referral) that cause 18% of denials are often the insurer's fault, not yours.
Insurance companies know that sick, stressed patients often lack the energy to fight denials. The appeal process requires persistence, documentation, and knowledge of your rights. By making it difficult, insurers ensure most people give up. This is why fewer than 1% of denials are appealed despite an 80% success rate—the system works by wearing you down.
To be fair, not all denials are improper. Some claims genuinely lack documentation, involve non-covered services, or request experimental treatments without evidence. However, when 80-90% of denials are overturned on appeal, it's clear that the vast majority of initial denials shouldn't have happened in the first place. The system is rigged to deny first and ask questions later.
Answer a few questions to estimate potential compensation for denied care
You have powerful legal protections against improper healthcare denials. Insurance companies don't advertise these rights because they benefit when you remain uninformed. Here are the key federal and state laws that protect you:
Federal law requiring hospitals with emergency departments to provide medical screening and stabilizing treatment to anyone, regardless of insurance or ability to pay. Hospitals that refuse emergency care, delay treatment for financial reasons, or transfer unstable patients face penalties up to $133,420 per violation (hospitals with 100+ beds). You can sue for compensatory damages if EMTALA violations harm you.
Bottom line: You cannot be denied emergency care due to lack of insurance or money.
The ACA guarantees your right to appeal any denial through an internal process (within the insurance company) and an external review (independent review by a third party). Insurers must respond to urgent appeals within 72 hours and non-urgent appeals within 30 days. External review decisions are binding on the insurer. You have 180 days to file an internal appeal and 4 months to request external review after internal appeal denial.
Bottom line: Every denial can be appealed, and you have strong procedural rights.
Federal law requiring insurers to cover mental health and substance abuse treatment at the same level as physical health conditions. Insurers cannot impose stricter prior authorization requirements, lower coverage limits, or higher cost-sharing for mental health care. Yet many insurers routinely violate parity laws by systematically denying mental health claims at higher rates than medical claims.
Bottom line: Mental health denials are often illegal parity violations.
Federal law protecting you from surprise out-of-network bills for emergency care, non-emergency care at in-network facilities where you unknowingly receive care from out-of-network providers, and air ambulance services. You can only be charged in-network cost-sharing amounts. If a provider bills you for more, you can dispute it through an Independent Dispute Resolution (IDR) process at no cost to you.
Bottom line: You're protected from most surprise medical bills.
Most states have laws against insurance bad faith—when insurers unreasonably deny valid claims, fail to investigate properly, or prioritize profits over policyholder rights. Bad faith allows you to sue for compensatory damages (your actual losses) plus punitive damages (to punish the insurer) and attorney fees. States like California, New York, and Illinois have recently enacted laws specifically targeting AI-driven denials and excessive denial rates.
Bottom line: Egregious denials can result in lawsuits for big damages.
If you have insurance through your employer, the Employee Retirement Income Security Act (ERISA) governs your rights. ERISA requires a full and fair review of denials, written explanations, access to your claim file, and the right to sue in federal court. However, ERISA limits damages to the amount of the denied claim plus attorney fees—you generally can't sue for bad faith or punitive damages under ERISA (a major limitation).
Bottom line: Employer plans have federal appeal rights but limited damages.
⚖️ Important Note on Legal Strategy
The specific laws that apply to your case depend on your type of insurance (employer plan, ACA marketplace, Medicare Advantage, Medicaid managed care), the type of denial, and your state. Consult with a healthcare attorney to understand which rights apply to your situation and develop the best strategy to challenge your denial and recover compensation.
You can challenge a healthcare denial and potentially recover compensation if you meet any of these criteria:
Time limits matter. Most internal appeals must be filed within 180 days of the denial. External reviews must be requested within 4 months of internal appeal denial. Lawsuits generally must be filed within your state's statute of limitations (typically 2-4 years for breach of contract, longer for some other claims). Don't wait—the sooner you act, the stronger your case.
The compensation you can recover depends on the type of denial, the harm caused, and whether you pursue an appeal, external review, or lawsuit. Here are the main categories:
Most common outcome: Your insurer is forced to pay the claim they initially denied. This covers the medical bills, so you're no longer responsible for them.
Typical Range: $1,000 - $100,000+
If you paid for denied care yourself, you can be reimbursed. Includes treatment costs, medications, travel to specialists, lodging, and related expenses.
Typical Range: $500 - $50,000
Compensation for income lost while dealing with the denial, attending appeal hearings, or suffering from worsened health due to delayed care.
Typical Range: $1,000 - $25,000
Compensation for physical pain, emotional distress, anxiety, and reduced quality of life caused by denied care—especially if your condition worsened.
Typical Range: $5,000 - $100,000+
Additional damages to punish egregious insurer conduct—AI denials with known error rates, systematic denial patterns, ignoring medical evidence, or EMTALA violations.
Typical Range: $10,000 - $500,000+
Many state laws and ERISA allow you to recover your attorney fees and litigation costs if you win, so you don't pay out of pocket to fight the denial.
Typical Range: $5,000 - $100,000
Factors That Increase Compensation:
Recent settlements and ongoing lawsuits show insurers are paying millions to resolve improper denial claims
| Year | Insurer/Hospital | Violation Type | Settlement Amount |
|---|---|---|---|
| 2024 | UnitedHealth Group | AI-driven denials (class action ongoing) | $20.25M (separate settlement) |
| 2024 | UnitedHealthcare (NY AG) | Birth control coverage denials | $1.0M |
| 2016-2021 | UnitedHealthcare (NCDOI) | Out-of-network underpayments | $3.4M |
| 2023 | Humana | AI algorithm denials (lawsuit pending) | Pending |
| 2022-2024 | UnitedHealthcare | Unpaid Independent Dispute Resolution awards | $903K (SpecialtyCare) |
| 2024 | Various Hospitals | EMTALA violations (avg 21 settlements/year) | $50K - $500K each |
| 2023 | Medicare Advantage Plans | Prior authorization denials (systemic) | Multiple investigations |
| 2024 | Blue Cross Blue Shield (AL) | 35% denial rate—highest in nation | Under investigation |
📈 Trend Analysis:
Healthcare denial lawsuits and settlements are accelerating dramatically in 2024-2025, driven by AI algorithm cases, EMTALA enforcement, and public outrage over systematic denials. The UnitedHealth AI denial class action could result in settlements worth hundreds of millions if plaintiffs prevail. State attorneys general are increasingly targeting insurers with high denial rates. If you've been denied care, now is the time to act—courts and regulators are paying attention.
Appealing a denial is your most powerful tool. With an 80%+ success rate, most denials are overturned if you push back. Here's exactly how to do it:
Read your denial notice carefully. Insurers are required to provide a written explanation including the specific reason for denial, the plan provision cited, and your appeal rights. Common reasons: "not medically necessary," "experimental treatment," "lack of prior authorization," "administrative error," or "out-of-network."
Action items: Get a copy of your full claim file from your insurer (you have the right to this). Request your complete medical records from your provider. Note the denial date—appeal deadlines start from this date.
Build your case with documentation. You need: (1) a detailed letter from your doctor explaining why the treatment is medically necessary, with references to medical literature and clinical guidelines, (2) your complete medical records, (3) any test results, diagnostic reports, or specialist opinions, (4) peer-reviewed studies or clinical practice guidelines supporting your treatment, (5) evidence of how similar cases are treated (if your insurer covers this treatment for other conditions, they should cover it for yours).
Pro tip: If your insurer claims the treatment is "experimental," find FDA approval status, clinical trial results, or evidence that the treatment is standard of care. If they claim "not medically necessary," get your doctor to cite clinical guidelines from professional medical societies.
Write a formal appeal letter to your insurance company. Include: (1) your name, policy number, and claim number, (2) the specific denial you're appealing (date and description), (3) why the denial is wrong—cite your doctor's letter, medical evidence, and plan provisions that support coverage, (4) attach all supporting documents, (5) request expedited review if the denial involves urgent care (insurers must respond within 72 hours for urgent appeals).
Submit your appeal in writing (keep copies!) and via certified mail with return receipt. You have 180 days from the denial date to file. Your insurer has 30 days to respond (72 hours for urgent appeals).
Template opening: "I am writing to appeal the denial of [treatment/service] dated [date]. The denial is improper because [1-2 sentence summary]. Attached is a letter from my physician Dr. [Name] explaining why this treatment is medically necessary according to accepted clinical standards."
If your internal appeal is denied, you can request an independent external review by a third-party organization. This review is binding on your insurer. You have 4 months (120 days) from the internal appeal denial to request external review. The external reviewer will evaluate your case based on medical evidence and clinical standards—not your insurer's financial interests.
External review is usually free or low-cost. The reviewer must be independent (no financial relationship with your insurer). They'll consider all the evidence you submitted plus any additional documentation. External reviewers overturn denials at high rates, especially for medical necessity determinations.
How to request: Contact your state insurance department or the external review organization listed in your denial notice. Explain that you're requesting external review of your internal appeal denial. Provide all documentation again.
Simultaneously with your appeal, file a complaint with your state insurance department or attorney general. State regulators track patterns of improper denials and can pressure insurers to change their practices. Even if your individual complaint doesn't resolve your case, it contributes to regulatory action against insurers with high denial rates.
Include: (1) description of denial, (2) why it's improper, (3) how it harmed you, (4) what you want (coverage approved, reimbursement, investigation of insurer). Most states have online complaint forms. Some state attorneys general have dedicated healthcare fraud or consumer protection divisions that investigate systematic denial patterns.
If appeals and external review fail, or if the denial caused serious harm, consult a healthcare or insurance attorney. Many offer free consultations and work on contingency (you only pay if you win). Lawsuits are appropriate for: (1) bad faith denials (insurer ignored evidence or used flawed AI), (2) EMTALA violations (emergency care denied), (3) large financial damages, (4) cases where your health was seriously harmed, (5) patterns suggesting class action potential.
Lawsuits can recover not just the denied claim amount, but also pain and suffering, lost wages, emotional distress, punitive damages, and attorney fees. The threat of litigation often motivates insurers to settle. Document everything from the beginning—you may need it in court.
💡 Appeal Success Tips:
For urgent situations where waiting for normal appeal timelines could seriously jeopardize your health, insurers must respond within 72 hours. Request expedited review in your appeal letter if your case is urgent.
Your insurer has 30 days to review and respond to your internal appeal for non-urgent cases. In practice, many insurers respond faster (1-2 weeks) to avoid regulatory scrutiny. You should receive a written decision with detailed explanation.
If your internal appeal is denied, external review typically takes 60-90 days. The independent review organization examines all evidence and issues a binding decision. Expedited external review (urgent cases) must be completed within 72 hours.
State insurance departments typically investigate complaints within 30-90 days. They may contact your insurer for an explanation and attempt to facilitate resolution. Even if they can't force your insurer to pay, complaints contribute to enforcement actions.
If you file a lawsuit, most cases settle within 6-12 months through negotiation. Cases that go to trial can take 18-24 months or longer. However, the threat of litigation often motivates insurers to settle quickly, especially if they acted in bad faith or violated clear laws like EMTALA.
Most appealed denials are resolved within 2-6 months if you pursue internal appeal → external review. Lawsuits extend the timeline to 1-2 years but offer higher compensation potential. Don't be discouraged by the time involved—80% of appeals succeed, and the money you recover (or the care you receive) is worth the effort.
Strong documentation is the difference between winning and losing your appeal. Here's exactly what you need:
The original denial letter stating the reason. Request your complete claim file from your insurer—you're entitled to see everything they considered. This may reveal that they didn't review key evidence or applied wrong standards.
This is your most important piece of evidence. Your doctor should explain: (1) your diagnosis and medical history, (2) why the denied treatment is medically necessary, (3) why alternative treatments are inappropriate or have failed, (4) medical literature and clinical guidelines supporting the treatment, (5) potential harm if treatment is denied or delayed. Ask your doctor to be specific and cite sources.
All relevant medical records including: diagnosis notes, test results (bloodwork, imaging, biopsies), treatment history (what you've tried and results), specialist consultations, hospital admission records, medication lists. These prove the severity of your condition and medical necessity.
Peer-reviewed studies showing the treatment's effectiveness. Clinical practice guidelines from medical specialty societies (e.g., American Cancer Society, American Heart Association). FDA approval status if applicable. Evidence that the treatment is standard of care, not experimental. Your doctor can help find these sources.
Bills and receipts for out-of-pocket expenses: medical bills you paid, prescription costs, travel expenses to see specialists, lodging costs if you traveled for treatment, lost wages (pay stubs or employer letter). Document everything—you'll need this for reimbursement claims.
Save copies of: denial notices, appeal correspondence, emails and letters, notes from phone calls (date, time, person you spoke with, what was said), prior authorization requests and responses. This creates a paper trail showing you've followed proper procedures.
If the denial caused your condition to worsen: medical records showing deterioration, doctor's notes linking the worsening to delayed treatment, documentation of additional medical expenses due to worsening, photos or videos showing decline (if relevant), mental health records if you suffered anxiety, depression, or emotional distress. This substantially increases potential compensation.
If pursuing litigation: evidence the insurer ignored clear medical evidence, documentation showing systematic denial patterns (e.g., AI algorithm denials), comparison to similar approved cases (if they covered the same treatment for others, why not you?), insurer's internal policies that conflict with medical standards, evidence of EMTALA violations. Attorneys can help gather this evidence.
💡 Pro Tips for Evidence Collection:
Don't let these common errors sabotage your appeal. Here are the mistakes that cause denials to stand even when they shouldn't:
The mistake: Waiting too long to appeal. You typically have 180 days for internal appeals and 120 days for external review after internal denial.
Why it matters: Late appeals are automatically denied, no matter how strong your case. Insurers won't give you extensions.
How to avoid: Mark deadlines on your calendar immediately when you receive a denial. Don't procrastinate—start your appeal within days, not months.
The mistake: Filing an appeal yourself without strong supporting documentation from your physician.
Why it matters: Medical necessity denials can only be effectively challenged with expert clinical opinions. Your personal explanation isn't enough.
How to avoid: Ask your doctor to write a detailed letter explaining why the treatment is medically necessary, citing medical literature and guidelines. Don't be shy about asking—most doctors will help.
The mistake: Giving up after the initial denial without pursuing internal appeal, external review, or legal options.
Why it matters: 80% of appeals succeed. By not appealing, you're leaving money on the table and accepting improper denials.
How to avoid: Treat every denial as the beginning of the process, not the end. Insurers count on your exhaustion—don't give them what they want.
The mistake: Filing an appeal with weak evidence—no medical records, no doctor's letter, no citations to clinical standards.
Why it matters: Insurers will uphold denials if you don't provide strong countervailing evidence. The burden is on you to prove they're wrong.
How to avoid: Gather comprehensive evidence before filing your appeal. Use the evidence checklist in the previous section. Quality matters more than speed.
The mistake: Accepting standard timelines (30-90 days) when your health requires urgent treatment.
Why it matters: Delays can cause permanent harm or make treatment less effective. Expedited appeals get 72-hour decisions.
How to avoid: If your doctor says the treatment is urgent or time-sensitive, explicitly request expedited review in your appeal. Explain why delay would cause serious harm.
The mistake: Stopping after your internal appeal is denied without requesting an independent external review.
Why it matters: External reviewers are not employed by your insurer and overturn many denials that internal appeals upheld. External review decisions are binding.
How to avoid: Always request external review if your internal appeal fails. It's usually free or low-cost, and your odds of winning are excellent.
The mistake: Failing to document how the denial affected your health, especially if your condition worsened while waiting.
Why it matters: Documented harm significantly increases compensation potential and makes bad faith claims viable. Without evidence, you can't prove damages.
How to avoid: If your condition worsens, see your doctor immediately and have them document the deterioration and its link to delayed treatment. Take notes, photos, or videos if relevant.
The mistake: Trying to handle complex cases (large damages, bad faith, EMTALA violations) without professional legal assistance.
Why it matters: Attorneys know how to navigate appeals, negotiate settlements, and maximize compensation. Many work on contingency (free unless you win).
How to avoid: Consult with a healthcare attorney early, especially if your case involves significant harm, systematic denials, or AI-driven decisions. A free consultation could save you thousands.
These real cases show that challenging denials works—and can result in life-changing outcomes:
The case: A 67-year-old Medicare Advantage patient was denied coverage for post-surgical rehabilitation after cancer surgery. UnitedHealth's AI algorithm (nH Predict) determined he didn't need the care, overruling his oncologist's recommendation.
What happened: His family hired an attorney who joined a class action lawsuit alleging the AI had a 90% error rate. After his internal appeal was denied in just 3 days (suggesting no real human review), external review sided with his doctors. The case proceeded to litigation.
Outcome: UnitedHealth settled for $85,000 covering the rehabilitation costs ($22,000), additional medical expenses from complications ($18,000), pain and suffering ($35,000), and legal fees ($10,000). The settlement took 14 months.
Lesson: AI denials with high error rates are vulnerable to legal challenge, especially when they contradict specialist recommendations.
The case: A woman experiencing severe abdominal pain went to a hospital emergency room at 2 AM. The ER staff checked her insurance status first, discovered she was uninsured, and told her to "come back during business hours to apply for charity care." She left without being examined. Her appendix ruptured 6 hours later, requiring emergency surgery with complications.
What happened: She filed an EMTALA complaint with HHS and sued the hospital. Medical experts testified that if her appendicitis had been diagnosed during her initial ER visit (through proper screening), she could have had simple outpatient surgery instead of emergency surgery with complications.
Outcome: The hospital settled for $52,000 to avoid trial and additional HHS penalties. The settlement covered her medical bills ($28,000), lost wages ($8,000), pain and suffering ($12,000), and legal fees ($4,000).
Lesson: Hospitals cannot refuse to screen or treat emergency patients based on insurance status. EMTALA violations carry serious consequences.
The case: A 42-year-old woman with severe psoriatic arthritis was denied coverage for a biologic medication (Humira) her rheumatologist prescribed. Her insurer required her to fail three cheaper medications first ("step therapy"). She'd already tried two of them years earlier without success, but the insurer claimed there was no documentation in their system.
What happened: She paid out of pocket for the medication ($6,000 for three months) while appealing. Her doctor wrote a strong letter citing clinical guidelines that step therapy is inappropriate when previous failures are documented. He provided 5 years of medical records showing the failed medications and her deteriorating condition.
Outcome: External review overturned the denial after 45 days. The insurer was forced to cover the medication going forward and reimburse her $6,000 for past costs. She then sued for bad faith and settled for an additional $32,000 (lost wages from disability during the delay, emotional distress, legal fees). Total recovery: $38,000.
Lesson: Step therapy denials that ignore documented medical history are often improper. Don't accept them without a fight.
The case: A major insurer was denying mental health and substance abuse treatment claims at rates 2-3 times higher than physical health claims, violating the Mental Health Parity Act. They imposed arbitrary 30-day limits on inpatient treatment regardless of medical necessity and used stricter prior authorization standards for mental health.
What happened: Patients and advocacy groups filed a class action lawsuit documenting the systematic disparity. Internal insurer emails revealed they targeted mental health claims for denial to cut costs. State regulators joined the case.
Outcome: The insurer settled for $48 million covering 12,000 class members. Individual payouts ranged from $3,000 to $250,000 depending on damages. One plaintiff whose son died from an overdose after denied treatment received $127,000. The insurer also agreed to policy changes and 5 years of monitoring.
Lesson: Systematic denial patterns affecting many patients can lead to large class action settlements. Don't assume your experience is isolated.
💪 What These Cases Have in Common:
Your case could be next. If your healthcare access was denied and you've suffered harm, you have legal options. Don't let insurers profit from your suffering.
Don't let insurance companies profit from improper denials. 80% of appeals succeed. Calculate your claim value and start your appeal today.
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