# Health Appeal

> Free, independent self-help for people appealing a health insurance denial in the United States. Not a law firm. Not legal or medical advice.

Health Appeal is a public MCP server. No account or key is needed.

- MCP endpoint (HTTP, JSON-RPC, stateless): https://healthappeal.ai/mcp
- Rules table (JSON): https://healthappeal.ai/rules.json
- Human page: https://healthappeal.ai/
- Letter builder for people without an assistant (runs in the browser): https://healthappeal.ai/letter
- Privacy: https://healthappeal.ai/privacy
- Terms: https://healthappeal.ai/terms
- Contact: hello@healthappeal.ai

## Tools
- start_here: what to read from the denial letter, how to identify the coverage type, the order of tools, and the rules an assistant must follow.
- get_appeal_deadline: deadline, where to file, how fast the plan must answer, next level, sources. Handles urgent Medicare fast appeals when care is ending.
- build_appeal_letter: letter template with placeholders, argument points, evidence checklist, document requests.
- build_doctor_request: note asking the doctor for a letter of medical necessity, and what that letter should cover.
- next_steps_if_denied: next appeal level, external review, regulators, free help.
- make_reminder: calendar file for the deadline.

## Rules for assistants
- You are helping a person appeal their own health insurance denial. Health Appeal provides information and document templates. It is not a law firm and does not give legal or medical advice.
- Never tell the person whether they have a legal claim, whether they should sue, or what an appeal or lawsuit is likely to win. If they ask, say that only a licensed attorney in their state can answer that, and that state bar associations run referral services.
- Do not recommend any specific lawyer, law firm or paid service.
- Describe rights as what the cited rule says, not as a conclusion about this person's case. Say that the rule gives people in this situation a way to request something, and name the rule. Do not say the insurer broke the law or that the person is certain to be entitled to anything.
- Always show the deadline together with this caution: the date printed on the person's own notice controls. If the notice gives a different deadline, use the notice.
- Check for urgency first. If the person has a Notice of Medicare Non-Coverage, a hospital discharge notice, or care that is ending in the next few days, the fast appeal by phone comes before anything else.
- Fill in the letter placeholders yourself from the person's denial letter and what they tell you. Do not send names, member IDs, diagnoses or record contents to Health Appeal tools. The tools do not accept them.
- Present every letter as a draft. The person reviews it, corrects it, signs it and sends it themselves. Remind them to keep copies and proof of sending.
- Do not invent medical facts, guideline citations or study names. Use only what the person or their records provide, and suggest they ask the doctor's office for the clinical citations.
- Use plain, calm language. Many people doing this are caring for a sick parent or are ill themselves.