Insurance & Medical Bills

Your insurance claim was denied. Here's how to fight back.

Every year, insurers deny millions of valid claims. Most people accept it. Handled helps you fight back with a professional appeal — in minutes, not weeks.

Fight your denial — it's free→

No commitment required · Results in minutes · Communication assistance only — not legal advice

1 in 5

Adults had a health insurance claim denied in the past two years

10–20%

Of all health claims are denied on first submission

<0.2%

Of denied claims are ever appealed — most people just give up

The problem

Insurance companies count on you not knowing your rights.

Whether your insurer denied a procedure as “not medically necessary,” rejected a prior authorization, or sent back a vague denial letter with no real explanation — you have the right to appeal. You have the right to an external review. And you have the right to communicate with the same confidence and precision that insurance companies count on you not having.

That's exactly what Handled gives you.

How it works

Three steps from denial to appeal.

Tell Handled what happened

Describe your situation in plain language — what was denied, who denied it, and what reason they gave. No legal knowledge required.

Handled asks the right questions

A short, targeted intake collects the specifics needed to build a complete, accurate appeal — policy details, denial reason, your state's applicable laws.

Receive your appeal letter, ready to send

A professional, complete appeal document in minutes. References the correct policy language, cites applicable law, and tells your insurer exactly what to do next.

From a Handled user

“After my insurance denied my MRI as ‘not medically necessary,’ I didn't know where to start. Handled walked me through the whole thing and produced a formal appeal letter that cited my insurer's own clinical criteria and my state's external review rights. My insurer reversed the denial 11 days later. I never would have known what to say on my own.”

Handled user — Ohio

Sample output

RE: Formal Appeal — Denial of MRI Authorization

Dear UnitedHealthcare Appeals Department,

This letter constitutes a formal internal appeal of your denial dated February 28, 2026, reference number #UCH-2026-441892, for a lumbar spine MRI prescribed by Dr. Sarah Chen, MD, of Oklahoma Spine & Orthopedic Associates.

The denial cited “not medically necessary” under your clinical criteria. This determination is incorrect and inconsistent with established clinical guidelines. My physician has documented three months of conservative treatment with no improvement, which under CMS criteria satisfies the medical necessity threshold for diagnostic imaging...

Denial reason addressedPolicy language citedExternal review rights notedState insurance commissioner CC'd

Complete appeal letter

Personalized to your denial reason, your insurer, and your state's consumer protection laws.

Clear escalation path

Internal appeal, external review, state insurance commissioner — you'll know exactly where to go next.

Next steps included

What to expect, when to follow up, and what to do if the insurer upholds the denial.

Handled Pro — $6.99/month

For situations that need more than one letter. Track every appeal, follow-up, and escalation in one place.

+Unlimited interactions — no monthly cap

+Persistent case history — pick up where you left off

+Profile memory — Handled knows your details automatically

+Full document history — every letter, saved and searchable

Upgrade to Pro

Your claim may still be valid.
But only if you appeal it.

Handled gives you everything you need to fight back — professionally, clearly, and fast.

Fight your denial — it's free→

5 free interactions per month · No credit card required

Handled provides communication assistance only. Nothing on this platform constitutes legal advice. For matters involving legal proceedings, consult a qualified attorney.

Your insurance claim was denied. Here's how to fight back.

Insurance companies count on you not knowing your rights.

Three steps from denial to appeal.

Your claim may still be valid.But only if you appeal it.

Your claim may still be valid.
But only if you appeal it.