Insor reads your policy documents and explains your coverage in plain English. When a claim is denied, it finds the clause your insurer overlooked and drafts the appeal before your deadline.
No lawyer needed · Free to start · Your documents stay private
Works with every insurance provider
Watch it work
Scroll to follow a real appeal, step by step. It’s the same sequence Insor runs the moment you upload your letter.
Reading your denial letter
Pulled the denial code, the date, and the exact reason Aetna gave.
Finding the clause in your policy
Located §4.2(b). Imaging is covered after six weeks of conservative care.
Checking your filing deadline
Internal appeals are due within 180 days. You have 42 days left.
Drafting your appeal
Wrote a one-page letter quoting your plan and attaching your PT records.
Building your appeal…
Before anything goes wrong
Upload your plan documents once. Insor turns 90 pages of exclusions, riders, and defined terms into plain English: what’s covered, what it costs you, and where the traps are.
Your policy, page 47
“Advanced diagnostic imaging shall be deemed eligible for reimbursement only upon documented failure of a minimum six (6) week course of conservative therapy, save where the treating physician certifies the existence of red-flag neurological findings, in which case the foregoing precondition shall be waived…”
1 of 6 clauses that affect this claim
In plain English
Your MRI is covered, but only after six weeks of physical therapy first.
You’ve done eight weeks. You meet the requirement.
The wait is skipped entirely if your doctor notes numbness, weakness, or loss of bladder control.
Expect to owe your $40 specialist copay, not the full imaging cost.
Ask it anything
“Is my daughter’s therapist in network?” “What’s my deductible now?” Answers cite the exact page.
Every plan document
Summary of Benefits, the full certificate, riders, and amendments, all read together rather than in isolation.
Know before you go
Check a procedure against your coverage first, so a denial never catches you by surprise.
What Insor does for you
Plain language
No jargon, no code lookups. Insor translates the letter into what it means for your care and your bill.
Your own policy
It reads your full plan document and quotes the language that contradicts the denial.
Deadlines
Internal appeals, external review, state deadlines. Insor counts the days and reminds you before they close.
Drafting
A ready-to-send letter citing your policy, your records, and the specific reason given.
Escalation
External review, state insurance commissioner, or an ERISA complaint, with the forms prefilled.
Privacy
Records are encrypted, never sold, and deleted on request. Insor works for you, not your insurer.
Upload it and Insor tells you, in a minute, whether the denial holds up, and what to do next.