What Denial Reply is, and what it is not (free test)
Denial Reply is
- A paperwork service for one health-insurance denial. You upload the denial letter and answer a few questions.
- Your plan's own words. We draft an appeal letter that quotes your plan's published policy and the reason it gave, using only facts from your documents.
- A draft for your doctor. We prepare a letter of medical necessity for your doctor to check, change and sign, or not sign. Anything we could not find in your records is marked "[doctor to confirm]".
- A records request you can send to get copies of your own records.
- Sending, if you want it. With your separate OK for each one, we fax the appeal to your plan and the doctor's draft to your doctor's office, and confirm each fax arrived.
- Deadline reminders by e-mail until your plan decides, and through the next step (external review) if your plan says no.
- Free during our test. No payment card. No charge later. Open to the first 20 Texas adults who qualify.
- One person and some software. Your packet was drafted with AI software and checked by a person before you see it. AI drafts after our own code removes your name and other identifiers. Our automatic checks run on every packet, and Evan Ruiz, who runs Denial Reply, approves every packet before you get it.
Denial Reply is not
- Not a law firm, and not anyone's representative. You file your own appeal and you sign it. Denial Reply is not a substitute for the advice of an attorney.
- Not a doctor or nurse. We do not decide whether a treatment is needed. Your doctor does.
- Not your insurance company, a government program, or an insurance adjuster.
- Not a promise. Your plan decides your appeal. Many appeals are turned down. The packet is free either way.
- Not on the phone. We do not call your plan or your doctor in this test.
- Not a data business. We never sell your information, never use it for ads, and erase your files 30 days after delivery.
- Not for everyone yet. Only adults in Texas, appealing their own denial. Not Washington residents, not Medicaid or CHIP, not urgent cases. If it is urgent, call your doctor now: they can ask for a fast appeal.
Free help exists, and you may not need us
- Your plan's member services (the number on your card) must tell you how to appeal and by when.
- Texas Department of Insurance help line, 800-252-3439, for plans the state regulates. If your job-based plan is self-funded, the U.S. Department of Labor handles questions instead.
- Office of Public Insurance Counsel (OPIC), the state office that speaks for insurance consumers: 1-877-611-6742.
- Medicare: Texas's free Medicare counseling program (the Health Information, Counseling and Advocacy Program) at 800-252-9240.
- Free online tools can write an appeal letter. What Denial Reply adds is the rest of the work around the letter: the doctor's draft, the records request, the sending, and the dates.
Denial Reply prepares appeal paperwork from your own documents and your plan's published rules. It is not legal, medical or insurance advice and is not a substitute for your doctor. Denial Reply is not a substitute for the advice of an attorney.
Phone numbers checked 2026-11-01: TDI on tdi.texas.gov; Medicare counseling on hhs.texas.gov. Check again before publishing.