For denials of $10,000 or more
Your insurer denied a claim. We fight to get it overturned.
Overturn researches your denial, drafts a professional appeal built on your plan's own coverage language and clinical evidence, and manages every deadline on your behalf, acting as your authorized representative.
Free review. No obligation. You pay only if your denial is reversed.
Overturn is a patient advocacy service, not a law firm, and does not provide legal or medical advice. See full disclaimers below.
What a free review includes
- An honest read on whether your denial is worth fighting — before you commit to anything.
- A plain-language explanation of why the claim was denied and what the appeal path looks like.
- No cost to find out. We only get paid a success fee if your denial is reversed.
How it works
Three steps, starting with a free review
No fee at intake. No fee during the review. You only owe us anything if we win.
Send us your denial letter
Tell us what your insurer denied, roughly how much it's worth, and describe your denial letter. Takes about five minutes.
We tell you honestly if it's fightable
We review the denial reason against your plan's coverage language. If it's not a strong case, we'll tell you that too, plainly and for free.
We build and file your appeal
As your authorized representative, we draft the appeal, gather supporting clinical evidence, and track every deadline. You pay a success fee only if the denial is reversed.
Why this is worth doing
Most denials are never challenged. Insurers count on that.
Two numbers worth knowing before you decide whether your denial is worth fighting. Both come from independent research, not from us.
In-network health insurance claims submitted through ACA marketplace plans are denied by insurers.
Source: KFF, "Claims Denials and Appeals in ACA Marketplace Plans in 2024" (insurers denied about 19% of in-network claims in 2024)Of those denials are ever appealed by the patient — meaning the overwhelming majority of denials, including wrongful ones, simply go unchallenged.
Source: KFF, "Claims Denials and Appeals in ACA Marketplace Plans in 2024" (consumers appealed fewer than 1% of denied in-network claims)Overturn is a new service. We don't have a published win rate yet, and we won't invent one. What we can tell you is that most denials never get a second look, and finding out where you stand costs you nothing.
Is this a fit
Where we can help — and where we can't
Good fit
- A specific claim was denied and the billed or denied amount is $10,000 or more
- You have (or can get) the denial letter or explanation of benefits (EOB)
- The denial deadline for appeal hasn't already passed
- You want someone to handle the paperwork and deadlines for you
Not a fit right now
- You need legal advice or plan to pursue litigation — talk to an attorney, not us
- You need urgent medical or mental health guidance — talk to your provider or care team
- The denied amount is under $10,000 — our process is built for high-dollar claims
- You want a guaranteed outcome — no one can promise that, and we won't pretend to
What it costs
A flat fee, agreed in writing, owed only if you win
The review is always free. If we take your case, we agree on a flat success fee in writing before anything is filed. For most cases it lands between $500 and $2,000, based on the size of the denied claim. If your denial isn't reversed, you owe nothing. You can cancel any time before we file.
You pay
- One flat fee in plain dollars, never a percentage of your claim
- Only after the reversal is confirmed in writing by your insurer
- Exactly the amount in your agreement, with no add-ons
You never pay
- Anything for the review, win or lose
- Anything if the appeal doesn't succeed
- Anything you didn't agree to in writing beforehand
Free case review
Tell us about your denial
Five minutes. No cost. No obligation. We'll follow up by email to let you know honestly whether your case is worth appealing.
Most denials are never challenged. Yours doesn't have to go unchallenged.
A free review costs you nothing and takes about five minutes. If we don't think your case is worth fighting, we'll tell you that too.
Submit your case for a free review