Approximately 85 million
in-network HealthCare.gov claims were denied in 2024.
For patients facing bills, denials, and collectors
Insurers denyclaims in seconds.Lysco helps youfight back.
Upload a bill, denial, or insurance statement. Lysco reads the fine print, connects the evidence, and shows what your own papers support. When they support an appeal, Lysco drafts it. You decide what gets sent.
- Free
- See where you stand
- $9
- Unlock the appeal your papers support
- You
- Review, sign, and send
Start herePrivate case file
Put the paper on the table
Create a private account, then add a photo, PDF, or pasted text.
About 20 seconds. No card. One full document review is free each month.Watch the demo first
Lysco helps you understand papers and write appeals and letters. It is not legal, medical, or insurance advice.
One place for the paperwork that stands between you and care
Your papers remain yours. That is a product rule, not a slogan.
- Encrypted storage
- No training on your data
- Never sold
- Delete anytime
The appeal gap
The staggering part is not how many claims get denied. It is how few get challenged.
<1%
of those denied claims were formally appealed.
80.7%
of appealed Medicare Advantage prior-authorization denials were fully or partly overturned in 2024.
74%
of patients who reported a medical-bill mistake got it corrected, in a 2024 peer-reviewed study.
These are published US figures, not Lysco customer outcomes. Each number counts a different group of people, and none of them predicts your result.
See how we verified these numbersSee the work
One denial. Three papers. An appeal you can inspect.
Lysco does not ask you to trust a black box. This is how it reads a typical denial — every finding points back to the line that supports it.
Three papers, read togetherThe case file
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
Paper 2 · Plan terms
“A low-back MRI is covered when six weeks of simpler treatment has not helped. Appeals may be filed within 180 days.”
Paper 3 · Clinic note
“Eight weeks of physical therapy completed. Pain unchanged. MRI recommended.”
Check complete
All three papers back the appeal
Appeal strength
Strong appeal candidateconfidence range 71–84 · strength of the documented position, not 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
A complete case, filed in timeBaseline
All three papers are present and the appeal window is open — the starting strength before any argument is scored.
- +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.
Where each conclusion comes from
- 01
Denial letter
The insurer says “not medically necessary.”
It cites policy MP-114 and calls conservative treatment unmet — while naming no reviewing clinician and stating no appeal deadline.
- 02
Plan terms
The plan covers the scan after simpler care fails.
Its own words require six weeks of simpler treatment and allow 180 days to appeal.
- 03
Clinic note
The required care was tried for eight weeks.
The note records physical therapy with no improvement — the exact condition the plan set, and the fact the denial calls unmet.
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.
And if the papers do not back an appeal? Lysco says so before you pay. A weak case gets a straight answer, not a $9 appeal.
- 01Read the record
Bill, denial, plan terms, and notes — together.
~10 sec to upload - 02Test the evidence
Every conclusion points to a paper you can see.
~1 min to a verdict - 03Build the appeal
Drafted only when the available record supports one.
~3 min if you act
See why they really said no.
The reason is in the paperwork. Lysco reads every line and shows you what it says.
Informational only — not legal, medical, or insurance advice.
Simple pricing
The first read is free. Fighting back is $9, flat.
Lawyers cost hundreds an hour. People who fight bills for you take 10–35% of what you save. Lysco never takes a cut.
$9 unlocks the ready-to-sign appeal your papers support, plus the evidence checklist and step-by-step submission instructions. No subscription needed. Handling several? See plans
Before you start
Questions people ask before they 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. Every word that goes out under your name stays in your hands.
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 papers are never sold and never used to train AI. You can permanently delete any case or file anytime from Settings. 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.
A denial is a decision. Not the final word.
Put the paper in front of Lysco. See the evidence before you spend a cent.
Check my bill or denial — free