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Tools

30 tools that do part of the work: find your deadline, build a letter, decode a statement, keep a log. They prepare you for the next step. They never decide whether your appeal will succeed, and they never send anything for you.

Everything you type stays in your browser tab. My Plan collects the next steps from any tool.

Understand your denial

 6 tools

All in this area

  • Tool

    Coverage type finder

    Work out what kind of plan you have and who regulates it, even if you are not sure.

  • Tool

    Deadline calculator

    Turn the date on your notice into the dates you and the plan each have to meet, with the rule behind each one.

  • Tool

    Denial letter checker

    Tick what your denial letter contains and see what is missing and how to demand it.

  • Tool

    Denial reason finder

    Match the wording on your letter to a denial reason, see who must act first, and open the right playbook.

  • Tool

    Explanation of Benefits decoder

    Look up the lines and common codes on your statement and see whether you should pay yet.

  • Tool

    Start here: four questions

    Answer four questions about what you received and get your path, the general deadline for your coverage and your first steps, with the phone call to make first if care is ending.

Build your case

 8 tools

All in this area

  • Tool

    Appeal letter builder

    Pick your denial reason and build an appeal letter with an enclosure list and a next-steps sheet.

  • Tool

    Appeal packet builder

    Build a cover sheet and numbered enclosure list, with the steps to prove your appeal arrived.

  • Tool

    Call log

    Record every call: the date, who you spoke to, the reference number and what was promised.

  • Tool

    Call script builder

    Get the words to say, what to ask for and what to write down before you phone your plan or provider.

  • Tool

    Claim file request builder

    Build the letter asking your plan for everything it relied on, and get the date to follow up.

  • Tool

    Doctor letter kit

    Build a short note asking your doctor for a letter of medical necessity, with an outline they can work from.

  • Tool

    Evidence checklist builder

    Get a tailored list of the documents that answer your denial reason, and who holds each one.

  • Tool

    Records and bill request builder

    Build requests for your medical records and an itemized bill.

Appeal

 6 tools

All in this area

  • Tool

    Appeal tracker

    Track each level of your appeal, see the next deadline, and save the dates to your calendar.

  • Tool

    Decision clock

    Check whether your plan has taken longer than the law allows to decide, and what you can do if it has.

  • Tool

    Employer escalation builder

    Build a request asking your employer's benefits team to step in, with a script for the conversation.

  • Tool

    External review planner

    Find out where to file for an independent review in your state, the deadline, the fee and what to send.

  • Tool

    Regulator complaint builder

    Find the agency that oversees your plan and draft a short, factual complaint.

  • Tool

    Urgent appeal triage

    See whether you can ask for a fast decision, what your doctor must say, and who to call today.

Your coverage

 2 tools

All in this area

  • Tool

    Medicaid hearing planner

    Work out the order of steps, the deadlines that apply, the earlier deadline to keep your services going, and how to prepare for a fair hearing.

  • Tool

    Medicare appeal navigator

    Find your level in the Medicare appeal process, the next level, the form and the time limit.

What was denied

 4 tools

All in this area

  • Tool

    Drug exception planner

    Find the right request for a drug denial: formulary exception, step therapy exception, tier or quantity exception.

  • Tool

    Mental health parity self-check

    See whether your mental health or substance use denial raises a parity question, and get the request to send.

  • Tool

    Network exception builder

    Build a request to cover out-of-network care at in-network cost when the network cannot provide what you need.

  • Tool

    Surprise bill checker

    See whether the federal No Surprises Act may protect you from an out-of-network bill, with three plain steps, a phone script and two letters.

Bills and help

 4 tools

All in this area

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