01
Understand the denial
Start with the reason on your denial notice or explanation of benefits. The free orientation helps you explore an educational next step based on what you share.
A calmer way through a denial
Denied health insurance claim?Find a clear next step.
CairnClaim helps you understand the denial, organize relevant records, and prepare appeal materials—starting with a free, three-question orientation.
Free to use · Three questions · No account required
Answers and optional notice codes are not stored. Anonymous session timing and the recommended path are recorded for product measurement.
A practical path forward
Turn a confusing notice into organized preparation.
You stay in control. CairnClaim helps structure the work so you can verify each step against your own plan’s instructions.
02
Organize supporting records
Use a focused document list to gather records that relate to the denial, such as the notice, claim details, bills, or relevant provider information.
03
Prepare your materials
Work through prompts, questions, and an appeal-letter workflow where available. Then check your plan’s own instructions before you submit anything.
Start at no cost.The separate Individual Appeal Kit is optional and costs $39.99 once.See what it includes
Free orientation · Step 1 of 3
Start with your denial notice.
Share the denial type and plan context. If your notice includes a denial code, enter it exactly as printed so the educational next-step guidance stays tied to your paperwork.
01Name the denial reason.
02Place it in the right plan context.
03Get a preparation path to check.
Find your next path
Choose one answer in each required field. Your answers and optional notice code are not stored. Anonymous start and completion timing and the recommended path are recorded for product measurement.
Answers not stored
Optional, separate purchase
More structure when you want it.
The Individual Appeal Kit is a one-time purchase for one individual situation. It includes a plain-language next-path explanation, a document-gathering checklist, and prompts to organize your questions and timeline.
The free orientation remains available without buying the kit.
Individual Appeal Kit
For one individual situation
One-time
$39.99
Educational preparation support. No outcome is guaranteed.
View Appeal Kit detailsClear limits, respectful guidance
Your plan’s instructions come first.
Rules and deadlines vary.
Appeal steps, external-review eligibility, and filing deadlines vary by health plan and state. Follow the dates and instructions on your own notice and current plan materials, and confirm uncertain details with the plan or an official source.
Read about external reviewPreparation support, not advice.
CairnClaim provides educational support, not legal, medical, or insurance advice. It does not promise an appeal outcome. Use your plan’s requirements and qualified professional guidance for decisions about your specific situation.
Read education and privacy guidancePrivacy note: your free orientation answers and optional notice code are not stored. CairnClaim does record anonymous session start and completion timing, duration, and the recommended path to measure product use.