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Learning, Understanding, and Information To Game Insurance

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Power has and always will belong to the People. Governments, Companies, and Organizations have tried to make us all forget this undeniable fact. Here at L.U.I.G.I. we want to give you the tools to let them know that we can and will fight back.

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Free Tools To Fight Denials

We have collected the best free tools and resources to fight back against your insurance company. These tools will help you fight against United States-Based insurance companies only.

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1. Request Your Insurer's "Claim File"

ProPublica's tool designed to help you request your "claim File" from your health insurer. With this file you can gain insight into the stated reasons for the denial, which will help with your appeal.

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2. AI-Based Appeal Letters

Fight Health Insurance is a web-based AI-powered tool that generates an appeal letter for denied health insurance claims. Upload your denial letter and documents from your "claim file" to get letter to fight your insurer.

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3. Don't Fight Alone!

Fighting a huge corporation can feel isolating, but the Patient Advocate Foundation helps patients and their families know they aren't alone! They provide professional support to fight denials and deal with all the intracicies of a serious health condition.

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4. Don't Let Your Insurer Have the Final Word

Insurance Companies profit off denying you treatment. You don't have to let them have the final word! HealthCare.gov provides an easy-to-understand guide on how to get an external review of your claim!

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Learning, Understanding, and Information to Game Insurance

L.U.I.G.I.

Know Your Rights & Deadlines

Insurers count on you giving up. Federal law gives you the right to fight back — but the clock starts the day you’re denied.

180 days
to file your internal appeal after a denial
4 months
to request an external review after a final denial
72 hours
for an expedited appeal when care is urgent
Free
your right to a full copy of your claim file

Your exact deadlines are printed on your denial letter, and can differ for Medicare, Medicaid & some employer plans — always check yours.

More Ways to Get Help

Beyond appealing, these free resources can apply pressure, cut your bills, and get you expert backup.

File a Complaint With Your State
Your State Insurance Commissioner can compel your insurer to respond. Filing a complaint is free and surprisingly effective.
Find your state office →
Wipe Out Hospital Bills
Dollar For helps you apply for hospital “charity care” to reduce — or completely erase — large medical bills.
Check if you qualify →
On Medicare? Get Free Help
Medicare has its own appeal process. A SHIP counselor gives free, unbiased local help — or call the Medicare Rights Center at 800-333-4114.
Find local counseling →
Help With Prescription Costs
If a medication is denied or unaffordable, NeedyMeds lists patient-assistance and copay programs you may qualify for.
Browse assistance programs →