82%
of Medicare Advantage skilled-nursing denials were never appealed, in a 2026 federal review.
Insurers denyclaims in seconds.Fight back withtheir own rules.
Upload a bill, denial, or insurance statement. Lysco reads the fine print and shows you what your own paperwork says about it.
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Lysco helps you understand medical paperwork and prepare appeals and disputes. Not legal, medical, or insurance advice.
- Free
- Your first read
- $9
- The appeal, when your papers back one
- You
- Review, sign, and send
The paperwork Lysco can help with
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1.2 seconds
300,000+ claimsdenied by one insurer’s automated system — 1.2 seconds of average review each
The appeal gap
Denials happen at industrial scale. Almost no one fights.
95%
of the ones that were appealed were overturned — same denials, same review.
Published US figures, not Lysco customer outcomes. Each counts a different group of people, and none predicts your case.
How we verified these numbersSee the work
One denial, read line by line.
One typical case. From the denial letter to the finished appeal.
Notice of adverse benefit determination
- Member
- KB-88412-07
- Claim
- 2026-A8-307112
- Billed
- $1,430
- Reason code
- CO-50
- Notice date
- March 14, 2026
- Service
- CPT 72148 — MRI, lumbar spine
Following clinical review, the service above has been determined not medically necessary under plan medical policy MP-114 (advanced imaging, lumbar spine).
Documentation received does not establish that conservative treatment requirements have been met prior to advanced imaging.
This determination was made by the plan’s utilization review team. Questions may be directed to Member Services. — Utilization Review
Reason found — CO-50, policy MP-114
No appeal deadline stated
Plan terms
“A low-back MRI is covered when six weeks of simpler treatment has not helped. Appeals may be filed within 180 days.”
The plan’s own rule — six weeks first
Clinic note
“Eight weeks of physical therapy completed. Pain unchanged. MRI recommended.”
The record — eight weeks, no improvement
Eight weeks beats six.The denial contradicts the plan’s own terms. Lysco builds the appeal from exactly this — scored below.
Check complete
All three documents back the appeal
Evidence strength
Strong appeal candidatehow strong the paperwork is, not the odds
2026-A8-307112claim number, as printedCPT 72148the denied service — lumbar MRI$1,430billed on the claimCO-50 · MP-114reason code and policy cited180 daysappeal window, from the plan termsSeptember 10, 2026deadline computed from the notice date
- +20
The documents needed to assess the denial are presentBaseline
The denial, plan terms, and clinic note are available together. The actual receipt date still needs confirmation before filing.
- +34
The plan’s own coverage rule is metClinical
MP-114 requires six weeks of simpler care first; the clinic note documents eight, with no improvement.
- +22
Required notice elements are missingProcedural
No appeal deadline and no criteria disclosure appear anywhere in the letter — and no reviewing clinician is named.
- +14
No individualized explanationReasoning
The denial never says why eight documented weeks of therapy fail its own conservative-care requirement.
- −12
The insurer can re-review the recordCaution
A clinical re-review could weigh new criteria — the therapy notes must be attached, not summarized.
You denied claim 2026-A8-307112 (CPT 72148) as not medically necessary under policy MP-114. The plan’s own terms say otherwise.
The plan covers a low-back MRI once “six weeks of simpler treatment” has not helped. The attached clinic note shows eight weeks of physical therapy with no improvement.
Please reverse the denial. This appeal is filed within the 180-day window ending September 10, 2026.
You review it. You sign it. You send it.
$1,430 at stake. $9 to fight back. When an appeal like this one succeeds, the plan covers the scan.
If the documents do not back an appeal, Lysco says so before you pay. A weak case gets a straight answer, not a $9 appeal. Many denials still qualify for a free outside review, and a bill you can’t win down may qualify for financial assistance or a payment plan.
Simple pricing
$9 flat. Never a cut.
Lawyers cost hundreds an hour. People who fight bills for you take 10–35% of what you save.
- $0First readOne each month
- $9The appealEvidence and filing steps included
- 0%Of what you win backNo success fee
No subscription needed. See all plans
Common questions
Before you upload.
Will you contact my insurer or hospital?
No. Lysco prepares everything for you to use — the appeal, an evidence checklist, and step-by-step submission instructions. You decide if and when you send it. We never call, mail, fax, or speak to your insurer, hospital, or a collector for you.
Can checking or pushing back make things worse?
Checking is completely private — no one is contacted, and nothing leaves your account unless you choose to send it. Appealing a denial or disputing a bill is a normal, expected step that people take every day; it simply asks for a second look.
Is my information safe?
Your file goes straight into locked storage — our web servers never even receive it. It's encrypted on disk, and the sensitive text inside is encrypted a second time in the database. Your documents are never sold and never used to train AI. You can delete any case or file anytime from Settings; limited provider backups and security, deletion, consent, or payment records may remain for the periods described in the Privacy Policy. See security.
What if my case is weak?
Then you keep your money. Lysco won't manufacture a fight — it tells you plainly, before you pay anything, whether one looks worth it, and just as plainly when it doesn't. Even then you often still have options: many denials qualify for a free independent outside review, and a bill you can't win down may still qualify for financial assistance or a payment plan.
The denial was their first answer. Send yours.
Free to see where you stand. Pay nothing until you choose to appeal.
Check my bill or denial — free