How do insurance denial appeals work?

Upload your denial letter and Lysco analyzes it, identifies the denial reason, cites applicable laws (ACA, ERISA, state regulations), and generates a customized appeal letter. You review and submit it yourself.

Can Lysco predict my appeal result?

Appeal outcomes vary by plan, facts, and documentation. Public data shows consumers rarely appeal denied claims and many denials involve administrative or plan-design issues. Lysco helps users understand the denial, prepare the paperwork, and decide what to do next; it does not predict results.

Is Lysco a law firm or medical practice?

No. Lysco is an informational tool that helps you understand your rights and options. It is not a law firm, medical practice, or insurance company. For specific legal or medical situations, consult a licensed professional.

How much does Lysco cost?

EOB translation is always free and you get one free document analysis and one free appeal letter. Per case: $29 for a denial appeal, medical bill review, or surprise bill dispute. Or upgrade to Pro ($29/mo) or Annual ($199/year) for unlimited across core healthcare workflows including the prior authorization helper. Cancel anytime.

Is my health data secure on Lysco?

Yes. Lysco uses AES-256 encryption at rest, TLS for data in transit, and row-level security so only you can access your data. We never sell your data and follow HIPAA-aligned security practices.

Live demo — see exactly what Lysco does

A $47,200 emergency surgery denied.
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This is a representative case — not a real user. Watch Lysco read the document, find the problems, and generate a ready-to-send appeal letter in under a minute.

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Free to check. $29 only if you generate the letter.

The denial letter

DENIAL OF COVERAGE NOTIFICATION

Anthem Blue Cross Blue Shield

Claims Review Division

Member: Sarah M. ChenID: XBC-9847261-03Claim: CLM-2026-1847392

Dear Member, This letter is to notify you that your claim for the following service has been denied: Service: Emergency Appendectomy with Complications (CPT 44960, 44970) Date of Service: 02/08/2026 Provider: St. Joseph Regional Medical Center Billed Amount: $47,200.00 Denial Reason: Out-of-Network Provider. The above service was performed by an out-of-network provider. Per your plan terms, out-of-network emergency services are subject to Usual, Customary, and Reasonable (UCR) rate adjustments. After applying UCR adjustments, the allowed amount is $0.00. Denial Code: OON-412 Authorization Reference: N/A (Emergency admission) Your cost share for this claim is $47,200.00. You have the right to appeal this decision within 180 days of receipt of this notice. To file an appeal, send a written request to the address listed on your insurance card. Sincerely, Claims Review Division Anthem Blue Cross Blue Shield

Sample denial letter for demonstration purposes

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See if your denial has these same flaws.

Upload your denial letter, medical bill, or collection notice. Lysco reads it, flags the issues, and shows you exactly what to do next.

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Free to check. $29 only if you decide to generate the letter.

KFF's 2024 ACA marketplace data shows medical necessity was only 5% of in-network denial reasons.

Most denials never get challenged. The first step is understanding whether the issue is administrative, coverage-related, or clinical.

Source: KFF analysis of ACA marketplace claims denials and appeals, published 2026.

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Live demo — see exactly what Lysco does

A $47,200 emergency surgery denied.

Scroll down and watch Lysco analyze every word.

A $47,200 emergency surgery denied.See what Lysco finds.

See if your denial has these same flaws.

A $47,200 emergency surgery denied.

A $47,200 emergency surgery denied.See what Lysco finds.

See if your denial has these same flaws.

A $47,200 emergency surgery denied.
See what Lysco finds.

A $47,200 emergency surgery denied.
See what Lysco finds.