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Mental health insurance appeal letter generator
83% of mental health denials are overturned.
Yours could be next.
Upload your denial letter and get a professionally crafted insurance appeal backed by PubMed clinical evidence, the Mental Health Parity Act, and your insurer's own policy language.
Free case analysis. Only $19 if you want the full appeal letter.
83%
of medical necessity denials overturned on appeal
< 1%
of denied patients actually appeal
85%
higher denial rate for mental health claims
How to appeal your insurance denial
No lawyers, no weeks of waiting. Upload your denial letter and get a professional appeal in minutes.
Get your free case score
We analyze your denial against federal parity law, clinical guidelines, and your insurer's own policies. You see your probability of success before paying anything.
Receive your appeal letter
A professionally written appeal letter citing PubMed studies, the Mental Health Parity Act, and your insurer's coverage criteria. Ready to print, sign, and send.
Not a template. A legal strategy.
Every appeal letter is built from scratch using your specific denial, real peer-reviewed evidence, and the federal laws that protect your mental health coverage.
AI-Powered Denial Analysis
Upload your denial letter as a PDF, photo, or text. Our AI extracts every detail — ICD-10 codes, CPT codes, denial reasons, and the exact policy language your insurer used.
PubMed Clinical Evidence
We search PubMed for peer-reviewed studies that support your treatment — real citations with PMIDs from real medical journals, independently verifiable.
Mental Health Parity Act Arguments
Every letter cites the MHPAEA and ACA protections. If your insurer applies stricter rules to mental health than physical health, that's a federal parity violation.
Adversarial Quality Review
A second AI agent reviews your letter as the insurer's lawyer — finding weaknesses before they do. Your letter gets refined until it's ready to send.
Appeal Letter in Minutes
What takes a patient advocate days, we deliver in minutes. Upload your denial, get your score, and receive a professional appeal letter with filing instructions.
Free Analysis. $19 for the Letter.
We analyze your denial and show your chances at no cost. If the case isn't viable, we won't charge you. One flat price, no subscriptions, no hidden fees.
“Insurance companies deny mental health claims at 85% higher rates than medical claims. They count on you not fighting back.”
The Mental Health Parity and Addiction Equity Act is federal law. Your insurer must cover mental health the same way they cover physical health. When they don't, you have the right to appeal.
Simple, transparent pricing
Free case analysis. Pay only when you're ready for the full appeal letter.
$19
per appeal letter
- Free denial analysis and success probability
- Full appeal letter with legal citations
- PubMed peer-reviewed evidence included
- Adversarial quality review by second AI
- PDF ready to print, sign, and send
- Email delivery with filing instructions
Frequently asked questions
How do I appeal a mental health insurance denial?
Upload your denial letter to Overturn. We analyze it using AI, research clinical evidence from PubMed, and generate a professional appeal letter citing the Mental Health Parity and Addiction Equity Act (MHPAEA) and relevant medical studies. You review the letter, then send it to your insurer's appeals department.
What is the Mental Health Parity and Addiction Equity Act (MHPAEA)?
MHPAEA is a federal law that requires health insurers to cover mental health and substance use disorders on equal terms with medical and surgical benefits. If your insurer applies visit limits, higher copays, stricter prior authorization, or different medical necessity criteria to mental health services compared to physical health, that's a parity violation — and strong grounds for appeal.
What are my chances of winning an insurance appeal?
According to government data, 39-59% of insurance appeals succeed overall. For medical necessity denials specifically, about 83% are overturned when properly appealed with clinical evidence and legal arguments. Yet less than 1% of people with denied claims ever file an appeal. The odds are in your favor.
How long do I have to file an appeal?
Under the ACA, you have 180 days (about 6 months) from receiving a denial to file an internal appeal. Your insurer must respond within 30-60 days for standard appeals, or 72 hours for urgent appeals. If your internal appeal is denied, you can request an external review through your state's insurance commissioner.
What types of mental health denials can Overturn help with?
We handle all common behavioral health denial types — mental health, substance use disorder, and eating disorder treatment. That includes therapy denied as 'not medically necessary', visit frequency limits, out-of-network provider denials, medication step therapy requirements, prior authorization denials, level-of-care disputes (IOP, PHP, residential), SUD detox and rehab denials, MAT (medication-assisted treatment) denials, eating disorder residential and refeeding denials, and more. All three categories are MHPAEA-covered. We work with all major insurers including Aetna, UnitedHealthcare, Blue Cross Blue Shield, Cigna, Humana, and Kaiser.
Is Overturn legal advice?
No. Overturn is a self-advocacy tool that helps you exercise your legal right to appeal. We are not a law firm and do not provide legal representation. The appeal letter cites real laws and clinical evidence, but you are responsible for reviewing it before submission. For complex cases, we recommend also consulting with a patient advocate or attorney.
Don't let a denial letter be the last word
83% of medical necessity denials are overturned on appeal. You have the right to fight back. We give you the tools.
Analyze my denial — Free