Consumer Rights Drafting Tool
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AI drafts the response — to your insurance denial, your IRS notice, your medical bill, your debt collector, your ticket. Free preview, $19–79 to unlock. Most people never fight back. They're counting on it.
Drafting tool. Not legal advice. Built by an operator who's filed his share of complaints.
We are unable to approve your claim for continued coverage of this service under your current plan.
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Most appeals succeed.
Most people never file one.
The system isn't broken — it works exactly as intended. Insurers deny first and approve on appeal. The IRS sends notices hoping you'll just pay. Collectors call hoping you'll panic. Cities issue tickets hoping you won't contest.
Every one of these systems has a path back. The path requires writing — specific, well-grounded, professionally-toned writing — that most people don't have time, energy, or expertise to produce.
That's the only thing FightThis does. We write the letter. You decide whether to send it.
of insurance appeals succeed when actually filed
KFF Health Tracking Poll
of insurance denials are ever appealed
KFF
of self-pay medical balances settle on negotiation
Industry estimates
in statutory damages available for FDCPA violations
15 USC § 1692k
Here's what we'd write.
Real format. Real statute citations. The kind of letter they have to respond to.
PREVIEW — UNLOCK TO USE
Jane M. Doe
1247 Maple Street, Apt 3B
Chicago, IL 60614
April 28, 2026
UnitedHealthcare Appeals Department
P.O. Box 6106, Cypress, CA 90630
RE: Appeal of Denial — Claim #UHC-2026-04182947
Member ID: W184720XX | Date of Service: March 14, 2026
Denied Service: Laparoscopic Cholecystectomy (CPT 47562)
Dear Appeals Review Board:
I write to formally appeal the denial dated April 2, 2026 of coverage for the above-referenced procedure. The denial states the service was deemed "not medically necessary." I respectfully disagree and provide the following grounds for reversal.
Applicable authority
Under 29 CFR § 2560.503-1 (ERISA), you are required to provide a full and fair review of this claim. Per 45 CFR § 147.136, non-grandfathered plans must cover services determined medically necessary by a treating physician. The denial fails to address the treating physician's documented clinical justification dated February 28, 2026.
My treating physician, Dr. Rafael Ortega, M.D. (NPI: 1234567890), documented acute cholecystitis with gallstone obstruction confirmed by ultrasound on February 27, 2026. The procedure was scheduled under urgent — not elective — status. The ICD-10 principal diagnosis code K80.00 (Calculus of gallbladder with acute cholecystitis) is clearly documented in the submitted claim.
The denial letter references "clinical guidelines" without identifying which guidelines or how the documentation fails to meet them. Under ERISA § 503 and applicable DOL regulations, you must identify the specific clinical criteria applied. I request, pursuant to 29 CFR § 2560.503-1(g)(1)(vii)(A), all documents, records, and other information relevant to the adverse benefit determination.
Procedural deadline
Per your plan documents and 29 CFR § 2560.503-1(f)(2)(iii)(A), you must render a decision on this appeal within 30 days of receipt for pre-service denials, or 60 days for post-service denials. I request written acknowledgment of receipt of this appeal within 5 business days.
I respectfully request full reversal of the denial and coverage of the laparoscopic cholecystectomy under my applicable plan benefits. Please confirm receipt and provide the case number assigned to this appeal.
Sincerely,
Jane M. Doe
Enclosures: Operative report, physician's letter of medical necessity, ultrasound report (Feb. 27, 2026), EOB (denial dated Apr. 2, 2026)
This letter was drafted with the assistance of FightThis (fightthis.m8n1ac.com), a drafting tool. The sender is responsible for the contents.
This is the actual quality of output you'll see in your free preview. Same letter, no watermark, on payment.
Why I built this.
A few years ago, my mother experienced what's called medical abandonment — a doctor terminated care without proper notice or referral, in violation of California medical board rules. Filing the complaint with the CDPH took me, a technical professional with a lot of free time, the better part of a weekend.
I kept thinking: how does an ordinary person — working a full-time job, kids at home, no idea what a "scope of practice violation" is — fight back against this kind of thing? They don't. They give up. The system is engineered to make them give up.
FightThis is the tool I wish my mother had. It's the tool I wish every uninsured patient had. Every senior with a debt collector calling. Every taxpayer staring at a CP2000.
Darrin Abell
Founder, FightThis
Common questions.
Is this legal advice?
No. Explicitly not. FightThis is a drafting tool — we help you write a letter you could write yourself with enough time and research. We don't review your case for legal merit. We don't represent you. For high-stakes situations, hire an attorney. Read our full disclaimer.
What if my case is complicated?
If the dispute involves more than $10,000, ongoing litigation, criminal exposure, or anything emotionally complex, we recommend a real attorney. Many state bars have lawyer referral services with low-cost initial consultations. We can be your first step; we shouldn't be your only step.
What happens with my data?
Documents you upload are encrypted in transit and at rest. We delete them automatically after 30 days unless you request retention. We never train AI models on your data. Full privacy policy.
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