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Family Claims Advocate
STEP 1 OF 7
Claim denied?Bill too big?Push back.
Snap a photo of your denial letter or medical bill. We write a strong, properly addressed letter, send it for you, and track it to a decision. $24 flat — sending and any escalation letters included.
1 in 5
in-network claims are denied by marketplace insurers
<1%
of denied claims are ever appealed by consumers
44%
of appealed denials are overturned
Source: KFF analysis of federal marketplace insurer data. These are population-level figures, not a prediction for your case — every claim is different, and we can't promise an outcome.
How it works
Three steps. One good letter.
STEP 1
Snap it
Photograph your denial letter or bill. We read it and pull out what matters.
STEP 2
Approve it
Review the letter we draft. Every claim in it names the document it came from. We never guess.
STEP 3
We send it
We mail it to the right address, start the response clock, and keep you posted by email.
Pricing
One price. Everything included.
$24 flat, per case
Your letter, written and sent for you
Any escalation letters, at no extra charge
Delivery tracking and deadline reminders
Financial-aid screening where it applies
No subscription. No mid-case upsells. Certified mail with tracking is the only add-on: +$10.
Prefer to do it yourself? Free.
Everything we read from your document
A step-by-step DIY guide
Where to send it, and your deadlines
Genuinely free — no card, no trial. You write and mail it yourself.
Questions, answered plainly.
What are we pushing back on?
Pick the one that matches the paper in your hand.
Get the whole page in frame.
Lay the document flat in good light. If it's several pages, start with the first — you can add more.
All four corners visible
Text sharp enough for you to read on screen
Names, dates, and claim numbers not cut off
Your photos are used only to work on this case and are automatically deleted 30 days after it closes.
Add your document.
However is easiest — they all work the same.
Reading your document.
This usually takes a few seconds.
Here's what we read. Correct anything.
Your letter is built from these details, so a ten-second check now makes it stronger.
Grounded in: the document you added. Nothing here is assumed.
We can write a strong letter to fight this now.
It draws on your denial letter, attorney-reviewed templates, and the rules that apply to appeals like yours. Adding your plan documents makes it even stronger — we can quote your plan's own coverage language back to them.
Where to find your plan documents (SBC)
Your insurer's member portal — usually under "Plan Documents"
The enrollment packet you got when you signed up
Your HR or benefits team, if coverage is through work
Either way, your letter states exactly what it's grounded in. We never guess.
One question before anything else.
Is care being delayed or denied right now — treatment, medication, or a hospital stay you or the patient needs within the next few days?
You have a faster right: the expedited appeal.
When a delay could seriously jeopardize health, insurers must decide an expedited (fast) appeal — typically within 72 hours. A mailed letter is the wrong tool for this moment. This guidance is free, no purchase needed:
Call the member-services number on your insurance card and say the words "I am requesting an expedited appeal."
Ask your treating doctor to call too — a physician's statement that delay endangers health usually makes the expedited track mandatory.
Write down the date, time, and name of everyone you speak to.
If it's a medical emergency, seek care first — emergency care can't be conditioned on prior approval.
A written appeal can still run alongside the expedited one — many people do both. Want us to prepare it?
Your letter is ready to prepare.
One flat price. We write it, you approve it, we send it and track it — and if the first answer is no, escalation letters are already included.
$24 flat
Letter written from your confirmed details
Printed, addressed, and mailed for you
Any escalation letters included — no extra charge
Deadline tracking + email updates
Or take the free path.
Everything we read from your document, plus a DIY guide with the right address and your deadlines. You write and mail it yourself. No card, no catch.
Add certified mail with tracking
A stamped receipt proving exactly when they got it. +$10
No subscription. No mid-case upsells. That's the whole price.
Everything we found — yours, free.
Here's what we read from your document and how to use it yourself.
From your document
Your DIY guide
Checkout.
Preview build — payment is simulated. No card is charged and nothing you type here goes anywhere.
Case package — letter written, sent & tracked, escalations included$24.00
Certified mail with tracking$10.00
Total$24.00
Where should updates go?
We'll confirm when your letter is delivered and warn you before any deadline. Our emails never include your diagnosis or treatment details — just the case status.
Both are about this case only — no marketing. Every email has a one-click unsubscribe.
Read it. Approve it. We send it.
Nothing goes out until you say so. Edit any detail by going back.
It's on its way.
Your letter is queued for printing and mailing. We'll email you the moment it's delivered, and the response clock starts then.
Your case, tracked.
30
days for them to respond
Most plans must answer a standard appeal within 30 days. We'll warn you as the deadline nears — and if the answer is no, your escalation letter is already included.
Letter sent
Queued for print and mail — today
Delivered
We confirm delivery and start the response clock
Under review
Their deadline is tracked here; day-15 and day-28 reminders by email
Decision
You tell us what they said — one click from email — and if it's a no, we prepare the included escalation
The five emails you'll get.
Status only — never your diagnosis or treatment details. One-click unsubscribe on every one.
Family Claims Advocate · right after checkout
Your letter is confirmed and queued
A copy of your approved letter and your case number, for your records.
Family Claims Advocate · on delivery
Delivered — the response clock has started
Delivery confirmation with date. Their 30-day window to respond starts now.
Family Claims Advocate · day 15
Heard anything yet?
One click: "Yes, they replied" or "Not yet." Either way, your case updates itself.
Family Claims Advocate · day 28
Their deadline is in 2 days
What to expect at the deadline, and what happens next if they miss it or say no — your escalation letter is already included.
Family Claims Advocate · after the window (opt-in)
How did it end?
One-click outcome: won, partial, or no. If it's a no, we start the included escalation letter.
Be back soon.
If your situation is urgent — care is being delayed or denied right now — you don't need this website: call the member-services number on your insurance card and say "I am requesting an expedited appeal." Insurers must decide expedited appeals quickly, typically within 72 hours.