The Prior Authorisation Was Denied. The Clock Is Already Running
Build a prior-authorisation appeal packet It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a preparation aid, not medical, legal or insurance advice. It cannot force a payer to pay, guarantee an appeal outcome, or tell you which care is right for you.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: the CMS interoperability and prior-authorisation rules are operative for impacted plans — 7-day routine and 72-hour urgent decision clocks, specific denial reasons, and appeal rights when a timeframe is missed. State-regulated plans differ.
Automated decision this documents: automated or criteria-driven prior-authorisation denial
Free path, in order (no cost):
Your State Health Insurance Assistance Programme (SHIP) or state insurance department consumer service — free help
The patient assistance programme or financial counsellor at the treating hospital
LawHelp.org for free legal aid on a benefits denial
What this cannot do: It cannot force a payer to pay, guarantee an appeal outcome, or tell you which care is right for you.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time