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.

What is the success rate for insurance appeals?

It varies by plan type. For ACA marketplace plans, about 44% of appealed denials are overturned (KFF, 2023). For Medicare Advantage, it can be as high as 83% (HHS OIG). Many denials stem from billing or administrative errors that get fixed when challenged. Individual results vary.

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?

Analysis is always free and your first appeal letter is free too. Upgrade to Pro ($29/mo) or Annual ($199/year) for unlimited appeal letters, deeper insurer-tailored analysis, and benefits finder. 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.
See what Lysco finds.

This is a real denial scenario. Scroll down and see how Lysco reads the document, finds the problems, and generates a ready-to-send appeal 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

That took 30 seconds

Now imagine that on your document.

Upload your denial letter, medical bill, or collection notice. Lysco reads it, finds the problems, and tells you exactly what to do next.

Upload your document

Private, secure, and built for sensitive healthcare documents.

75% of denials are overturned when patients challenge them. Most people never try.

You should.

AES-256 encryption

We never sell your data

We never contact your insurer

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.

Now imagine that on your document.

A $47,200 emergency surgery denied.

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

Now imagine that on your document.

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

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