Your health insurance, explained and defended by a team of clinical experts and medical insurance consultants.
Denied claims. Wrong billing. Underpaid coverage. We apply clinical judgment and real-world insurance claims experience to write your analysis report and appeal letter — ready to send — delivered within 72 hours.
Clinical & insurance expertise · Flat-rate pricing · 24–72 hour turnaround · 100% secure
How it works
Tell us about your case
Our guided wizard asks a few questions — claim, pre-authorisation, or coverage advice — and shows you exactly which documents to provide.
Submit and pay
Upload your documents (policy, denial letter, EOB, bills) and pay securely via PayPal. Flat-rate pricing, no surprises.
Receive your reports
Within the stated turnaround you receive your clinically reviewed, insurance-informed analysis report and appeal letter — formatted and ready to send.
Services & pricing
Flat-rate. Clinically reviewed. Insurance-informed. All prices in USD.
Insurance Claim Review & Appeal
from $19
A denied or underpaid health insurance claim can often be overturned with a well-constructed appeal. Most insurers accept internal appeals within 30–90 days of the denial date. HealthPlan Advise writes your clinical analysis report and ready-to-send appeal letter — delivered within 24–72 hours.
Start nowPre-authorisation Support
from $19
Seeking approval before treatment, or a pre-auth request was refused? We draft the clinical-necessity argument and supporting letter.
Start nowCoverage & Benefits Advice
from $19
Not sure what your plan actually covers? We read your policy and tell you exactly where you stand before you commit to treatment.
Start nowPolicy Document Consultation
from $19
Have your policy explained in plain language or dispute a specific exclusion or clause with your insurer — backed by a written analysis.
Start nowWhy HealthPlan Advise
Reviewed by a physician and a team of clinical and insurance experts — not AI alone
Flat-rate pricing — no surprise fees, no percentages
24–72 hour turnaround
Secure, encrypted document handling
Refund policy where applicable
What our clients say
Real outcomes from real people who challenged their insurer — and won.
“My insurer denied my son's specialist referral, calling it 'elective.' The appeal letter I received was precise, medically grounded, and addressed every clause the insurer cited. The decision was reversed within 6 days. I genuinely couldn't have done this alone.”
Sarah M.
Dubai, UAE
Surgical & Complex Admission
“I'd been fighting a dental claim rejection for two months. After submitting here, I received a clinical analysis that clearly showed where the insurer misread my policy. They paid in full within the week. The £20 fee recovered £340 — best decision I made.”
James T.
London, UK
Dental & Optical Review
“My pre-authorisation for a procedure was denied and I had no idea how to challenge it. The report explained the insurer's reasoning, why it was flawed, and exactly how to argue the medical necessity. Procedure approved three days after I sent the letter.”
Priya K.
Toronto, Canada
Complex Procedure Audit
“I was sceptical about trusting an online service with something this sensitive. The analysis report changed my mind — it was thorough, professionally written, and clearly came from someone who understands both medicine and how insurers think. Highly recommended.”
Michael R.
Sydney, Australia
Standard Outpatient Review
Frequently asked questions
Is this legal advice?
No. HealthPlan Advise is a clinically led, insurance-informed advisory — not a law firm. We apply clinical judgment and real-world insurance experience to write your analysis report and appeal letter. For matters requiring legal representation, we will direct you to the right channel.
Which countries do you serve?
We serve clients across the GCC (UAE, Saudi Arabia, Kuwait, Bahrain, Qatar, Oman), the UK and Europe, North America (US and Canada), and Asia-Pacific (Australia, Singapore). If your country is not listed, contact us — we advise in most markets where private health insurance is used.
How confidential is my information?
Fully confidential. Documents are stored encrypted on EU-based infrastructure, accessible only via short-lived secure links, and restricted to the assigned reviewer. All files are permanently deleted 90 days after your case is completed. HealthPlan Advise never shares your information with third parties.
What if my appeal is still rejected?
A rejected internal appeal can be escalated to an independent external reviewer, then to a financial ombudsman or regulatory authority — both free to access. HealthPlan Advise advises you on the escalation route for your country and can prepare written submissions for each stage.
What documents will I need to prepare?
The essential documents are your denial letter or Explanation of Benefits (EOB), insurance policy, original medical bills, and any clinical notes or referral letters. The HealthPlan Advise wizard shows a tailored checklist for your specific case type. You can upload documents before or after payment.
How long does it take to receive my reports?
Turnaround begins once your complete submission is received. Standard outpatient and dental cases are delivered within 24–48 hours. Complex inpatient cases within 48–72 hours. Major surgery and long admissions within 72–96 hours. You receive an email when your PDF reports are ready to download.
What exactly do I receive after paying?
You receive two PDFs: a structured Analysis Report covering the denial reason, relevant policy clauses, medical-necessity argument, and recommended strategy — and a ready-to-send Appeal Letter addressed to your insurer. Both are reviewed and signed off by a licensed physician and a team of clinical and insurance experts.
What is your refund policy?
Full refunds are available if work has not yet started. Once preparation begins, eligibility depends on stage and circumstances. HealthPlan Advise stands behind the quality of every physician-reviewed report and appeal letter — see the Refund and Cancellation Policy for full details.
View Refund & Cancellation Policy →