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No lawyers. No jargon. No cost. Just a clear path from "denied" to "approved."
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AI reads the fine print
Our system checks the laws your insurer may have violated, finds matching federal cases, and identifies grounds for appeal.
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How We Help You Win
Every tool on this site was built for one person: the patient sitting in front of a denial letter, not knowing what to do next.
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Our AI drafts a professional appeal letter citing the exact laws your insurer may have broken.
Analyze Bill
Upload an EOB or medical bill. We flag duplicate charges, upcoding, and overcharges.
Know Your Rights
Every state has different deadlines and appeal protections. Find yours before time runs out.
Find Legal Help
Attorneys and patient advocates who specialize in insurance denial cases, organized by state.
Report a Denial
Add your denial to the public record. Every report builds the case against systemic abuse.
Find Evidence
Search peer-reviewed studies to back your appeal with medical literature insurers cannot ignore.
Niegsch v. UHC: denial pattern detection at the source.Foundational case. Verified data. Zero insurer response.
In-Network Procedure Initiated
Surgeon listed as in-network by UnitedHealthcare performs kidney stone stent placement. Authorization confirmed.
Claim Denial — Same Surgeon
UHC reclassifies the same in-network surgeon as "out-of-network" for the mandatory stent removal follow-up. Patient had no choice in provider selection.
Neurological & Vascular Complications
Prolonged stent placement leads to Deep Vein Thrombosis (DVT) and Transient Ischemic Attack (TIA) — neurological event confirmed by MRI findings of acute ischemic lesions. Cognitive and physical deficits persist.
$285,000 Total Economic Damage
$40K SBA loan depleted. $35K additional debt at 10% interest. Business sold at 40% value. CEO Tim Noel contacted directly. No response received.
In 2022, UnitedHealthcare denied a mandatory stent removal — the second half of a single procedure — by reclassifying the same in-network surgeon as out-of-network. This reclassification lacked medical or contractual basis and is consistent with documented denial pattern behavior across UHC's claims infrastructure.
The resultant delay produced documented neurological events: Transient Ischemic Attack (TIA) and Deep Vein Thrombosis (DVT), confirmed by MRI. Permanent cognitive and physical damage is on record. A formal accountability request submitted directly to CEO Tim Noel on February 12, 2025 has received no response.
Niegsch v. UHC became the foundational dataset for Healthcare Watchdog's denial pattern detection engine — a global insurer accountability intelligence platform tracking regulatory signals, litigation filings, and claim denial behavior at scale. Access is and will remain unrestricted.
Insurers have been held accountable before.
These are documented federal cases — not estimates. Patients who appealed and fought back changed these outcomes.
Mental Health Coverage Denied
UnitedHealthcare Massachusetts settlement for systematically denying mental health and substance use treatment claims that should have been covered under federal parity law.
Medicare Advantage Fraud
UnitedHealth Group paid $125M to resolve False Claims Act allegations that it knowingly retained overpayments from the Medicare Advantage program.
Substance Use Treatment Denied
Multi-state enforcement action against UHC for denying residential substance use treatment coverage, violating mental health parity laws across multiple states.
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