Got a denial letter? Send it to me.

Last year my insurer sat on my son’s surgery authorization for weeks. They never said no. They just never said yes. I spent a lot of hours on hold learning how these letters work, and I came out the other side with one conviction: a lot of them fall apart when someone finally reads the whole file.

I’ve spent the last eighteen months building Kupu, a tool that reads denial letters and works out what they actually say. Before I let strangers use it, I want to sit with real letters from real people and do the work alongside them. Not a demo. The actual appeal, with your name on it.

So that’s the offer. You send the letter. I read it, tell you what it means, tell you whether I’d fight it, and if so I help you file. It costs you nothing.

Anyone with a written denial from a health plan in the last twelve months. Employer plan, marketplace plan, Medicare Advantage, Medicaid managed care: all of them send these letters and all of them have an appeal path. A prior authorization that was turned down counts. A claim that was paid at a fraction of the bill and called “not medically necessary” counts. A medication your doctor prescribed and the plan refused counts.

A bill that looks wrong but wasn’t denied is a different problem. Still send it if you want a second set of eyes, but the appeal work I’m describing here is for denials.

I’m not a lawyer and not a licensed billing advocate. I’m a founder who’s been on the wrong end of a few of these letters and decided to learn them cold. If your case needs an attorney, I’ll tell you that too.