Patient-side insurance appeals · ERISA §503 · ACA §2719
When your insurer says no, we write the appeal, file it, and call them on hold for you.
Upload the denial letter and your doctor's note. We identify which clause of the insurer's own medical policy was violated, draft your appeal, submit it by fax, track the 30-day clock, and escalate if they stonewall. You sign. We do the work.
67%
Denials overturned on appeal
industry data
1 in 20
Denied patients who ever appeal
KFF
~15 hrs
Hours the average appeal takes
consumer surveys
12 min
Your time on ClaimKicker
typical case
AetnaUnitedHealthcareBlue Cross Blue ShieldCignaHumanaKaiserAnthem
The mechanic
Five steps. The first two take you twelve minutes. The rest happen while you sleep.
Step 01
Upload the denial and your doctor's note
We OCR both documents. Our parser extracts the claim number, denial reason, and the exact medical policy the insurer cited.
Step 02
We match against the insurer's own policy
Insurers publish their medical policies. We ingest them, then map each criterion to the evidence in your doctor's record line by line.
Step 03
We draft the appeal, you approve
Two-page letter citing ERISA §503 or ACA §2719, the policy by number, and verbatim quotes from your record. Preview before anything is filed.
Step 04
We file it and track the 30-day clock
Fax or certified mail. We log submission receipts. At day 14 we check the insurer's portal. At day 25 our voice agent calls them for status.
Step 05
We escalate if they stonewall
If the statutory deadline passes, we auto-draft an external review request under ACA §2719 and, if needed, a state DOI complaint. One click each.
The part nobody else does
We call your insurer for you. Every time. Until you get a real answer.
Other appeal tools stop at drafting a letter. Insurers bank on the 95% of patients who never follow up. Our voice agent calls member services, navigates the IVR, holds for 45 minutes if needed, demands a status, escalates to a supervisor, and cites the statutory deadlines back at the rep.
Every call is recorded and transcribed. If the insurer misses the 60-day ERISA deadline, that transcript becomes part of the record we attach to your state DOI complaint.
Call · Aetna member servicesDay 25 · 52 min
agent ›Hi, I'm calling on behalf of member W123456789 regarding appeal AETNA-2026-0315-7782. I'm the authorized representative under 29 CFR §2560.503-1(b)(4).
rep ›Let me pull that up. One moment.
agent ›[on hold · 44 min · hold-music filter engaged]
rep ›Still under medical-director review. No decision yet.
agent ›The 60-day ERISA deadline is May 18. What's the scheduled decision date, and if it's past the 18th, what's the plan for deemed-exhaustion under §2560.503-1(l)?
rep ›I'll escalate to the supervisor. Can you hold?
agent ›[extracted: status = under_review · decision_by = 2026-05-15 · rep = Marcus, badge 7841 · call logged]
Pricing
Two tiers. Pick what fits the size of your denial.
Flat tier
$49
upfront · best for denials under $800
- · Draft, file, track, escalate
- · All three voice agents (insurer, records, DOI)
- · External review + DOI complaint included
- · No fee if we decline your case at triage
Contingency tier
20%
of whatever we recover · capped at $500 · $0 upfront
- · Pay nothing unless your appeal wins
- · Full service — same as flat tier
- · We eat the cost on losing cases
- · Card on file, charged only after you confirm recovery
Common questions
Questions people ask at 11:52 PM after opening the denial letter.
Are you lawyers?+
No. We're a document-preparation and administrative-services company operating under your federal right to self-represent in an insurance appeal (ERISA §503, 29 CFR §2560.503-1(b)(4), ACA §2719). You sign every document. We help you do what you already have the right to do.
What if my appeal loses?+
If you picked the contingency tier, you owe nothing. If you picked flat, we'll automatically file an external review request under ACA §2719 and, if needed, a state DOI complaint — all included.
Will my insurer know I'm using ClaimKicker?+
Yes. Your appeal names you as the filer and names ClaimKicker as your authorized representative. That's explicitly permitted by 29 CFR §2560.503-1(b)(4). Insurers are required to accept it.
Do you handle Medicare or Medicaid denials?+
Not yet. Those have different appeal processes. For now we handle ERISA employer-sponsored plans and ACA marketplace plans.
How do you use my medical records?+
Only to draft your appeal. We don't sell or share PHI, we don't train models on your data, and we purge PHI after your case closes. BAAs in place with every vendor that touches your records.