Frequently Asked Questions

Upload your denial letter, notice, or official document as a PDF or photo. ClaimCompass analyzes it instantly, explains what it means, and tells you whether you have a strong basis for appeal. If you do, unlock your complete appeal letter for $49.

Just your denial letter or official notice — a PDF or a phone photo is all it takes. You don't need any background in insurance, law, or benefits. ClaimCompass handles the analysis and explains everything in plain English.

No. You can run your free analysis without creating an account or providing an email address. An account is optional and only needed if you want to save your analysis for future reference.

Yes — completely free, with no credit card required and no signup. You get your viability score, your denial explained in plain English, and your recommended next steps at no cost. You only pay $49 if you decide to unlock your complete appeal letter.

Any PDF or image of an official denial, notice, or correspondence — including health insurance denials, Medicare and Medicaid notices, VA benefits letters, government benefit denials, immigration letters, prior authorization rejections, homeowners and auto insurance denials, HOA notices, school appeal letters, and more. ClaimCompass supports 22 document categories. See all 22 →

ClaimCompass is an AI-powered claims and appeals platform that analyzes any denial, notice, or official correspondence and generates a complete, personalized appeal letter. It supports 22 document categories across health insurance, government benefits, VA, immigration, housing, education, and more.

No. ClaimCompass is an AI-powered document analysis and appeal generation platform. We do not provide legal advice or legal representation. Our appeal letters are built on real regulatory guidelines and denial codes — but for complex legal situations, we recommend consulting a licensed attorney.

A lawyer for an insurance appeal typically costs $200–$500 per hour. ClaimCompass costs $49 — one time, all levels included. Our AI generates letters built on the same regulatory criteria and appeal standards a lawyer would use, delivered in under 2 minutes instead of days or weeks.

Every ClaimCompass letter is generated from your specific document — your denial code, your case facts, your policy language. Nothing is copied from a generic form. The letter reads like it was written by someone who has handled your exact situation many times — because in a sense, it has been.

ClaimCompass currently supports 22 document categories across health and property insurance, government benefits, VA, immigration, housing, education, and consumer rights. The platform is expanding continuously. View all 22 categories →

The free analysis is completely free. The Complete Appeal — which includes your full appeal letter and all escalation letters — is $49, one time, per case.

No. $49 is a one-time payment per appeal case. There are no monthly fees, no automatic renewals, and no hidden charges of any kind.

Your Complete Appeal includes:

✅ Your AI-generated Level 1 appeal letter — personalized to your case, ready to file
✅ Your Level 2 escalation letter — included if the first is denied
✅ Your external independent review letter — included if needed
✅ A peer-to-peer review request for clinical denials
✅ A supporting document checklist — exactly what to attach

All of this for one $49 payment. No re-billing if you're denied again.

Each denial is a separate case. If you have two different denials — for example, a health insurance denial and a VA benefits dispute — you would start a new $49 Complete Appeal for each one. Same process, same complete coverage.

Please see our Terms of Service for our complete refund policy details.

Your free analysis completes in under 60 seconds. Your complete appeal letter generates in under 2 minutes after purchase. The entire process — from upload to appeal-ready — takes approximately 3 minutes total.

Your appeal viability score is a 0–100 rating of how strong your case is, based on your specific denial. A score above 70 indicates a solid basis for appeal. A score of 90 or higher means the denial has a genuine factual or regulatory error that a reviewer must address — the strongest category of appeal.

Return to ClaimCompass. Your $49 Complete Appeal includes your Level 2 escalation letter and your external independent review letter — both included at no additional charge. We don't charge you twice just because the system pushed back harder.

A Level 1 appeal is your first formal challenge to the denial — submitted internally to the insurer or agency that made the decision. Most appeals are resolved at this level.

A Level 2 appeal is a second internal challenge submitted after a Level 1 denial. Some insurance plans and government programs have multiple internal appeal levels before escalating to external review.

An external independent review is a review by a third-party organization independent of your insurer — required by law in most states for health insurance denials. It is the most powerful appeal tool available and is often the final escalation step before litigation. Your $49 Complete Appeal includes this letter.

ClaimCompass generates your complete, ready-to-file appeal letter. You print it, sign it, with all information (name, policy number, etc.), and submit it to the insurer or agency. We provide clear instructions on exactly how and where to file for every document category.

Appeal timelines vary by category and are set by law or regulation. Health insurance internal appeals typically receive a response within 30–60 days. Urgent cases receive responses within 72 hours. ClaimCompass includes the applicable timeline in your appeal letter so you know exactly when to expect a response.

Yes. Your document is encrypted during upload and transmission, processed securely, and automatically deleted if you do not complete a purchase. ClaimCompass does not store, sell, or share your personal documents or case information.

Yes. ClaimCompass handles protected health information in compliance with HIPAA requirements. Your medical and insurance documents are treated as PHI and are subject to our HIPAA privacy and security protocols. See our HIPAA Compliance page for full details.

Your document is analyzed and then deleted from our processing environment if you do not complete a purchase. If you do purchase, we retain the data needed to deliver your letter and escalation letters. See our Privacy Policy for full details.

No. ClaimCompass does not sell, rent, or share your personal information or document content with third parties for marketing or commercial purposes. See our Privacy Policy for complete details.

Yes. Medicare is among our most supported categories. ClaimCompass follows CMS-mandated appeal pathways and generates letters that meet the specific procedural and evidentiary requirements for the program.

Yes. ClaimCompass handles total loss valuation disputes, collision and comprehensive claim denials, PIP rejections, and homeowners insurance claim denials — including coverage exclusion challenges and claim undervaluation disputes. See our full 22-category list for everything we cover.

Your viability score gives you a personalized estimate. Nationally, internal insurance appeals succeed approximately 40–60% of the time when properly documented and argued. That rate is significantly higher for cases ClaimCompass identifies as factual contradictions or procedural errors — which are the strongest appeal categories in the system.

ClaimCompass focuses on generating the best possible appeal letter. If your situation requires ongoing legal support or professional representation, we will tell you that clearly. We believe in giving you an honest picture of your situation — not just the one that keeps you on our platform.