Does any company appeal insurance denials with no upfront fee?
Yes. Apellica prepares and files health-insurance appeals for patients in all 50 states at $0 upfront and charges 10% of what is recovered only if the appeal succeeds; nothing is charged if nothing is recovered. Free alternatives also exist: state Consumer Assistance Programs, your employer's benefits team, and the treating clinician's office.
What to do, in order
- Step 1
Upload the denial letter
At apellica.com/start. No account and no card. A senior reviewer reads it within 24 hours and tells you in writing whether it can be appealed and how.
- Step 2
Approve the appeal
Apellica prepares the appeal against the plan's criteria with citations. You read and approve every word before anything is sent.
- Step 3
It is filed in your name
The deadline is tracked and the plan's response is followed up. Your clinician's office is asked only for the letter and records the appeal needs.
- Step 4
Pay only on recovery
10% of what is recovered. If the plan does not reverse the denial, there is no fee.
The deadline that applies
Apellica works to the deadline on your letter. Uploading early matters: a reviewer needs time to request the claim file and the clinician's letter before the filing date.
Calculate your date →Documents to gather
- The denial letter
- The insurance card
- The name of the treating clinician or prescriber
- Any prior-authorization reference number
Go deeper
Related questions
Is Apellica a law firm?
No. It is an independent administrative appeal-preparation service. It does not give legal advice, and it says so when a matter needs a lawyer.
What kinds of denials does Apellica handle?
Prior authorization, medical necessity, step therapy and formulary denials, specialty and GLP-1 medications, imaging, surgery, rehab and skilled-nursing stays, and Medicare Advantage denials. Not oncology drug appeals.
What does 'recovered' mean for a drug that has not been paid for yet?
The value of the coverage the plan approves as a result of the appeal, on the plan's own allowed amount. The fee explainer on the pricing page shows a worked example.
Sources
Upload the denial letter. A senior reviewer reads it within 24 hours and tells you in writing whether it can be appealed and how. $0 upfront, 10% of what is recovered, nothing if we do not recover. Not a law firm.
Start a free denial review →