Appeal your health insurance denial.
Upload or photograph the denial letter. Lamdis finds your deadline in the rules for your plan, tells you honestly how your case looks, and drafts an appeal in which every fact is checked against your own papers. It’s free, and you don’t need an account to start.
- Free
- No sign-up to start
- You decide what gets sent
On a phone? It opens your camera, so you can photograph each page.
Job-based plan, self-funded. Reason given: “no record of conservative treatment such as physical therapy.”
180 days from October 28, 2026, the day the letter arrived. Rule: 29 CFR 2560.503-1(h)(3)(i)
The plan says it saw no physical therapy. Your therapy notes show eight weeks of it.
They can edit a draft letter of medical necessity and upload it to your case.
How it works
Photograph or upload the letter
Add every page of the denial, as photos or a PDF. Lamdis reads who denied what, the reason they gave and the kind of plan you have. If it isn’t sure about something, it asks you.
See your deadline and your odds
Your deadline comes from the rule for your type of plan, with a link to the regulation. If the letter prints an earlier date, Lamdis goes by the earlier one and shows you both. You also get a plain read on your case: strong, possible, a long shot, or unclear, with the reasons.
Get a draft you can check
Lamdis writes the appeal letter. Each factual sentence is matched word for word against your documents, and anything it can’t back up is flagged and left out until you confirm it.
Bring in your doctor, then send it yourself
Send your doctor’s office a link to add their letter of medical necessity. Then print the appeal or save it as a PDF and send it the way your letter says. Lamdis reminds you before each deadline and when the insurer’s answer is due.
Why you can trust what it writes
Every fact is checked against your papers
A sentence about your case goes in the letter only if Lamdis can find it in the documents you gave it. The rest are flagged for you to confirm or remove.
Deadlines come with the rule
You see the regulation behind every date, so you can check it yourself.
Nothing goes out without you
Lamdis drafts. You read it, change it, and decide what to send, and you send it yourself.
Private, and yours to delete
No ads, and we don’t sell your information. The AI services that read your documents are bound not to keep them or train on them. Delete a case whenever you like.
Why appeal at all
of in-network claims were denied by insurers selling plans on HealthCare.gov in 2024. Fewer than 1% of denied claims were appealed.
Source: KFF, Claims Denials and Appeals in ACA Marketplace Plans in 2024
of the Medicare Advantage prior-authorization denials that people appealed in 2024 were fully or partly overturned. Only 11.5% were appealed.
Source: KFF, Medicare Advantage Insurers Made Nearly 53 Million Prior Authorization Determinations in 2024
of insured adults with a denied claim didn’t know they had a right to appeal, in a 2023 survey.
Source: KFF, Consumer Survey Highlights Problems with Denied Health Insurance Claims
Appeals don’t always win. Marketplace insurers upheld 66% of the internal appeals they decided in 2024, according to the same KFF analysis. That is why Lamdis tells you how your case looks before you spend an evening on it.
What an appeal can’t fix
Some denials follow the plan’s rules exactly. If the plan document excludes something outright, such as a plan that excludes weight-loss drugs, an appeal arguing that you need it usually has no rule to point to.
When that is your situation, Lamdis says so and shows you the routes that do exist: a formulary or medical exception, coverage for a different approved use, your employer’s benefits team, your state insurance regulator, and manufacturer or hospital assistance programs.
Lamdis isn’t a lawyer. It drafts and checks; it doesn’t give legal or medical advice. For free help from a person, many states run a Consumer Assistance Program for insurance problems, and people with Medicare can get free counseling from their State Health Insurance Assistance Program.
Guides to appealing
Plain explanations of the rules, with every deadline linked to the regulation. Start with how to appeal a health insurance denial.
By type of plan
By denial reason
Drugs and treatments
Questions
Is Lamdis really free?
Yes. Reading your letter, your deadline, the read on your odds, the draft appeal, the link for your doctor’s office and reminders are all free. There are no ads, and we don’t sell your information.
Do I need an account?
No. You can start with just the letter.
Is this legal advice?
No. Lamdis is a drafting tool. It is not a law firm and doesn’t give legal or medical advice. Many states run free Consumer Assistance Programs for insurance problems, and people with Medicare can get free counseling from their State Health Insurance Assistance Program.
Who sends the appeal?
You do. Lamdis prepares the letter and a list of what to enclose. You print it or save it as a PDF and send it the way your denial letter says: mail, fax or the insurer’s portal.
What happens to my documents?
They are used to work on your case. The AI services that read them for us are bound by contract not to keep them or train on them. You can delete a case and its files whenever you like. Read the Privacy Policy and the Consumer Health Data Privacy Policy.
Which plans does it work with?
Job-based plans, Marketplace plans, Medicare Advantage, Medicare Part D, Original Medicare, Medicaid, federal employee (FEHB) plans and TRICARE, anywhere in the United States.
Can my doctor’s office add their letter?
Yes. Lamdis gives you a link to send them. The office sees what was denied and the deadline, can edit and sign a draft letter of medical necessity, and can upload it to your case without making an account.
What if my deadline has already passed?
Ask anyway, in writing, and explain why you were late. Medicare accepts late appeals for good cause, such as illness (Medicare.gov), and the federal employee program can extend its time limit when something outside your control got in the way (5 CFR 890.105(b)(1)).
Start with the letter you have.
It takes a few minutes to see your deadline and how your case looks.
Free. No sign-up to start. Nothing is sent without you.