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The toolkit insurance companies don’t want you to have.

A working appeal letter template. The phone script that flips the call. Your federal protections in plain English. A pre-appeal checklist. A deadline tracker. One PDF. Free.

~6 pages · PDF · Save and print

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What’s inside

Six tools we wish every patient had on day one of a denial. Built from real cases. Use them as-is or as a starting point.

01

Generic appeal letter template

A fill-in-the-blanks first-level appeal letter. Plain English, no AI fingerprint, in your voice.

02

Phone script for calling insurers

Opener, escalation phrases, and the question that makes insurers send their criteria in writing.

03

Know Your Rights — one-pager

The federal protections every patient has — ACA, ERISA, No Surprises Act, parity, HIPAA — in plain English, with citations.

04

Before-you-appeal checklist

The 19 things to gather and verify before you drop the appeal in the mail. Tape it to your fridge.

05

Timeline & deadline tracker

Federal appeal windows, response timelines, and a printable tracker for your case.

06

When the toolkit isn't enough

A soft pointer to AskBenji's free AI tool for a denial that's been customized to your specific situation.

60%

of denials get overturned on appeal — most patients never try.

180 days

is the federal floor for internal appeal deadlines. The toolkit shows you how to use them.

Free

now, free tomorrow. AskBenji's free tier doesn't expire — built as a B-Corp.

“The system is designed to make patients give up. AskBenji is designed to make sure they don’t.”

— Bri, Founder · Built after watching my brother get denied three times

Already have your denial in hand?

The toolkit is a strong start. AskBenji’s AI tool will draft a full appeal customized to your specific denial in minutes — free, private, no account required.

Free. Private. No account required.