Your health insurer said no. That's their opening offer.
Apelo is how you push back on a denied health insurance claim or an overcharged medical bill. We read the paperwork, build your case, write the appeal or dispute letter, and carry it through every level of review — you just upload the letter.
Fight a denied claim
We build your appeal on your plan's own coverage rules and carry it through internal review — and independent external review if the first answer is no.
Fix an overcharged bill
We comb every line for duplicate charges, coding errors, and inflated prices — then handle the dispute through to a corrected bill.
Your case, and the people on it.
Every case is worked by people who do this for a living — not a template with your name dropped into it.
Clinicians who read your records against the plan's own medical-necessity criteria and write the clinical argument behind your appeal.
Line-by-line review of the codes and modifiers on your bill — the quiet errors that add thousands to a total.
People who know the plan language, the filing windows, and how independent external review actually gets won.
One person who knows your case, answers your questions, and tells you what the insurer's response actually means.
What a fight looks like.
Composite scenarios built from common patterns — not real customers.
Her son's ER visit came back at $14,780. The itemized bill showed the same CT scan charged twice, plus an unbundled lab panel. Her dispute letter targeted $3,940 in errors; her negotiation letter anchored to the hospital's own published rate.
His MRI prior-auth came back denied: "not medically necessary." His plan's own coverage policy listed his exact indication. His appeal quoted the plan's language back at it — filed twelve days before his window closed.
The anesthesiologist at her in-network hospital billed $2,650 out-of-network. Her letter invoked federal surprise-billing protections and requested reprocessing at the in-network rate.
How it works
Upload your letter or bill
Snap a photo or drop the PDF — the denial letter or the itemized bill.
Uploads open at launch — join the preview list.
Our specialists build your case
A clinical reviewer weighs your records against the plan's medical-necessity criteria; a billing specialist checks every line; an appeals specialist finds the deadline and the leverage.
We see it through
You approve the letter, it goes out before your window closes, and if the answer is still no we escalate — next-level appeal, then independent external review.
Simple, transparent pricing
A drafted appeal citing your plan's own coverage language and deadline.
See the errors and overcharges before you decide what to do next.
If Apelo doesn't bring down what you owe — a denial overturned or a bill corrected — you get your money back. We refund your Apelo fee in full.