Insurance denied your claim? Surprise medical bill? California just banned AI insurance denials. Fight back.
All denials require human review. UnitedHealth sued for 90% AI error rate. You have new rights.
Select your specific healthcare problem to understand your rights, appeal options, and potential compensation
Treatment denied, claims rejected, prior authorization refused, life-saving care blocked
Emergency care refused, EMTALA violations, patient dumping, discrimination
Surprise billing, balance billing, incorrect charges, insurance coordination failures
Medication denied, formulary restrictions, step therapy delays, prior auth problems
HIPAA violations, medical records leaked, PHI exposure, privacy breaches
Records access denied, HIPAA violations, incorrect records, privacy breaches
Medicare/Medicaid issues, provider disputes, facility problems, or other healthcare matters
Enter your insurance denial details to see your chances of overturning it
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Landmark law follows UnitedHealth lawsuits for 90% AI error rate
Know your protections under federal and state law
Pre-authorization denied, 'not medically necessary' rejections, AI-powered denials now banned in California.
Duplicate charges, upcoding, unbundling, balance billing violations. 45% of bills contain errors.
Out-of-network emergency bills, No Surprises Act protects you from balance billing.
Insurance delays critical treatments. Must decide urgent cases within 24 hours by law.
Internal appeal (60 days), external review if denied
Request within 30 days of service, must be provided free
For uninsured/self-pay, must receive before service (No Surprises Act)
Out-of-network emergency bills, 30 days to dispute
Cannot be denied for emergency services (EMTALA)
Within 30 days, for $6.50 or less per request
Out-of-network ER visits protected (No Surprises Act)
Must provide specific reason and medical rationale
Good faith estimate ±$400 or you can dispute
California requires human review as of 2025
No credit reporting during active billing dispute
EMTALA requires emergency stabilization
Proven strategies with 70%+ success rates
Healthcare access cases successfully resolved
"UnitedHealth denied my cancer treatment as 'not medically necessary.' Used appeal template, got doctor's letter, external review approved it. Treatment saved my life."
"Out-of-network ER bill for $18,900. Filed No Surprises Act dispute, got it reduced to $4,700 (my in-network copay). Saved $14,200."
"Insurer delayed surgery approval for 8 months. Condition worsened. Sued for bad faith, settled for $127K (surgery cost + damages)."
Real data from healthcare disputes and appeals