Question 1

Is there really no upfront payment to start?

Accepted Answer

Yes. Anyone with a denied claim is welcome to submit. There is no card required and no upfront cost to begin. A senior reviewer reads your file and walks you through the next steps. If your situation needs a different path, we will tell you clearly and walk through the alternatives.

Question 2

How does the $59 success fee work?

Accepted Answer

If your insurer approves coverage after appeal support, a fixed $59 success fee applies. That is the full fee — flat, not a percentage, and disclosed clearly before any work begins. If coverage is not approved, you owe nothing for the Guided Appeal Support service.

Question 3

What is the Fast Track Appeal Package?

Accepted Answer

Fast Track is a paid appeal package starting at $49 that includes an AI-assisted denial analysis, a prepared appeal draft, a supporting document checklist, and step-by-step submission instructions. Eligible Fast Track cases may qualify for refund consideration if the appeal is unsuccessful and submission guidelines are followed.

Question 4

When is Concierge the right option?

Accepted Answer

Concierge is built for complex denials, multi-stage appeals, ongoing documentation needs, or cases that need a dedicated point of contact across stages. Pricing is custom and scoped to the case.

Question 5

Are you a law firm?

Accepted Answer

No. Apellica is an insurance appeal support service. We help patients organize, prepare, and submit appeals through the administrative process every insurer is required by law to provide. We do not provide legal or medical advice. If your case requires a lawyer, we will tell you and refer you out.

Question 6

What kinds of denials do you support?

Accepted Answer

Every category, every carrier. Medicare, Medicare Advantage, Medicaid, Tricare, employer ERISA plans, marketplace plans. Drug denials, surgery denials, prior authorization, ER, mental health, dental, vision, and out-of-network.

Question 7

How long does the appeal process take?

Accepted Answer

Most internal appeals resolve within 30 days; urgent cases within 72 hours; complex cases within 60 days. We typically have an appeal ready to submit within five business days of receiving complete documents.

Question 8

What do I need to upload?

Accepted Answer

Your denial letter (a photo or PDF works), your insurance card, and a brief description of what was denied. We follow up with anything else once the case is reviewed.

Question 9

What if my denial was a long time ago?

Accepted Answer

Most carriers cap appeals at 180 days from the denial letter, with longer windows for Medicare and Medicaid in many situations. Upload your letter and we will tell you whether the deadline still works or whether an alternate path is available.

Question 10

Will appealing affect my insurance going forward?

Accepted Answer

No. Filing an appeal is a federally protected right. Carriers cannot legally retaliate against you for exercising it. If anything unusual happens, we document it.

Question 11

What if my insurer denies the appeal too?

Accepted Answer

Most plans have multiple appeal levels. After internal appeal, federal law gives you the right to an external review by an independent panel. We pursue all available levels before declaring a case closed.

Question 12

Is my information safe?

Accepted Answer

Every uploaded document is treated as Protected Health Information under HIPAA. Data is encrypted in transit and at rest. Our full security program is documented at /security.

Question 13

Can I talk to a real person on the phone?

Accepted Answer

Yes. Call +1 (888) 777-6120, Monday through Friday 8am to 7pm ET, Saturday 10am to 4pm ET. Phone-first is welcome, especially for older callers or anyone who prefers not to use a form.

Honest answers, no fine print.

The questions everyone asks first.

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