TRY IT Fight Health Insurance
Fight Health Insurance is a free AI tool for people in the United States who need to respond to a health insurance claim denial, prior authorization rejection, or coverage dispute. It can explain a denial letter and insurance policy in plain English, search for relevant medical research, and create several editable appeal letter drafts.
The service is built for the practical US insurance appeal process. You can start with a denial notice, review the extracted text, add supporting details, then use the draft as a starting point for an appeal to your insurer. It also links users to state specific insurance dispute resources, which matters because appeal processes and consumer help vary across all 50 states.
Its AI approach is unusually transparent. Fight Health Insurance says it uses fine tuned medical language models, including MedGemma, and runs multiple models in parallel. It searches PubMed for medical literature that may support an appeal, and most of the project is open source. The tool is useful when a denial letter is difficult to understand or you need a structured first draft before an appeal deadline.
You remain responsible for the final appeal. The service warns that generated letters can contain errors, hallucinated citations, or missing details. Verify every medical reference and policy argument, add the relevant facts from your care history, and seek advice from a healthcare professional or attorney when your situation is complex. A generated letter is not medical or legal advice, and it does not guarantee that an insurer will reverse a decision.
Privacy is the major tradeoff. The service can use on device OCR, which keeps the original document image on your device during text extraction. However, its terms state that information submitted through the service may be collected and used to train its language models. Its AI disclosure says no real patient appeal letters are used in training, which creates a material inconsistency between the public documents. Before using it, remove names, addresses, member IDs, policy numbers, and other direct identifiers. Review extracted text before submitting it, consider leaving optional external model processing disabled, and use the data deletion form if needed.
Fight Health Insurance is free to use, with optional donations and a paid fax submission option. It is a good fit for US patients, caregivers, and patient advocates who want a transparent, editable AI starting point for an insurance appeal. It is less suitable for anyone who cannot safely de identify their documents or who needs human legal or medical review before submitting a time sensitive appeal.
- AI appeal letter drafts: Generate multiple editable drafts for a denied health insurance claim.
- Denial explanation: Translate denial notices into plain language and outline next steps.
- Policy explanation: Review a policy or summary of benefits to understand coverage limits and appeal rights.
- PubMed research: Find medical literature that may support an appeal argument.
- On device OCR: Extract a denial letter's text locally before deciding what to submit.
- US state resources: Find insurance dispute help relevant to your state.
- Open source project: Inspect much of the code and AI approach on GitHub.
- Submission choices: Submit the appeal yourself for free or use the paid fax option.
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