Read the letter once. We’ll tell you what it means.
Take a photo of the letter. In about 30 seconds you get a plain-English explanation and the deadline that actually matters — with a response letter drafted for your review right after.
Services rendered on the above date of service have been adjudicated and are not payable under the terms of the member’s certificate of coverage. The requested service does not satisfy the criteria for medical necessity as set forth in clinical policy bulletin MP‑2211. Member may be responsible for billed charges in the amount of $2,340.00. This determination may be subject to reconsideration upon receipt of additional documentation within the timeframe specified in your plan documents.
How it works
Photograph it
A phone photo of a crumpled page is fine. Multi-page PDFs and scans work too.
Read the decode
What happened, what it means for you, what the deadline is, and what to do next.
Send the reply
A response letter is drafted for you to check, edit, and then copy, print, or email.
What we decode
We don't handle auto, homeowner's, renter's, life, or private disability insurance. Social Security disability (SSDI) letters we do handle.Health insurance denials
Why the claim was refused, whether the reason holds up, and how long you have to appeal.
Medical bills
Duplicate charges, balance billing, and amounts your insurer should have covered.
Benefits notices
Medicare, Medicaid, SNAP, SSI/SSDI, unemployment. What changed, and the date you cannot miss.
Collections letters
Whether the debt is validated, what the agency may legally do, and your rights under the FDCPA.
The letter leaves. The answer stays.
Your document is the most sensitive thing you’ll hand us, so we keep it for the shortest time that still works.
How we handle your dataFive dollars, or nothing at all.
First letter is free with no account. After that, pay per letter or take the monthly plan. On Medicaid, SNAP, or unemployment, check the hardship box at checkout.
See full pricingQuestions
What kinds of letters does DecodeLetter explain?
Health insurance denials, medical bills, benefits notices (Medicare, Medicaid, SNAP, SSI, unemployment), and collections letters. We don't handle auto, homeowner's, renter's, life, or disability insurance.
How long does it take?
About 30 seconds to get the plain-English explanation. The response letter, drafted for your review, comes right after.
Do I need to sign up?
No. The first letter is free with no account required.
Is my letter kept private?
Yes. The image or PDF you upload is processed in memory and never stored on our servers. If you choose to save a letter, the decode and response are kept for up to 30 days, then auto-deleted. We don't sell your data and we don't use your documents to train AI models. See our privacy policy for full details.
What if the letter is wrong about my case?
Read the decode before you send anything. Every response letter is a draft you edit. If something doesn't match your situation, change it — or take it to legal aid.
How much does it cost?
First letter is free. After that, $5 per letter (decode + response letter) or $8 per month for up to 20 letters. Hardship pricing is available for users on Medicaid, SNAP, or unemployment.
You don’t have to understand it alone.
The first letter is free and doesn’t need an account.
Upload your letter