# Claim Back

> Claim Back helps families in the United States appeal Medicare Advantage denials. Upload the plan’s denial letter and a person on our team reads it, quotes its deadline back to you and says whether and how it can be appealed, for free. If you want help, we write the appeal, a person checks every line, and it goes to the plan in the enrollee’s name. We also read long-term care insurance denial letters for free and show the steps the state’s rules allow. A Lapla SI project, run by its founder, Chen Yu, at Random Walk Co., Ltd. in Tokyo, Japan. Not lawyers. Not doctors. Just the people who won’t let a big insurer hide behind fine print to keep what’s yours.

## How it works

1. Upload the denial letter (PDF or photos) at https://claimback.lapla.si/#read with an email address. Checking it is free.
2. A person on our team reads it and tells you what it says, the deadline printed on it, and whether and how it can be appealed, usually within a day.
3. If you want our help, you choose one of two services. We write the appeal to answer the plan’s reason; a person checks every line; you review and approve it before anything is sent.
4. It goes to the plan in the enrollee’s name: we fax it, or you send it.
5. The plan answers by mail; you upload its answer. If the plan keeps its decision, the case goes to an independent reviewer automatically.

Medicare Advantage (Part C) plans and long-term care insurance (below), in the United States only.

## Services and prices

- **We handle it for you:** $299. Charged only if the plan reverses its decision. Nothing if it doesn’t. We write the appeal, fax it to the plan in your name once you approve and sign it, and follow it until the plan answers.
- **We prepare it, you send it:** $49 + $100. $49 when you accept. $100 more only if the plan reverses its decision. We write the appeal and list what to attach and where to send it. You sign and send it yourself.

Fixed prices: we never take a share of what the plan pays. “Reverses” means the plan, or the independent reviewer after it, reverses the decision in whole or in part. Details: https://claimback.lapla.si/pricing

## Long-term care insurance

- Upload the long-term care insurer’s letter the same way (https://claimback.lapla.si/#read). A person reads it free and gives the deadline it states and the steps the state rules we have checked support; where a state is not checked, no state deadline is given.
- Independent review of a benefit-trigger denial, verified from each state’s rule: Montana, Alaska, Iowa, Oregon, Pennsylvania.
- **We handle it for you:** $600. Charged only if the denial is reversed. Nothing if it isn’t. We write the appeal, fax it to the insurer in your name once you approve and sign it, and follow it until the insurer answers.
- **We prepare it, you send it:** $79 + $250. $79 when you accept. $250 more only if the denial is reversed. We write the appeal and list what to attach and where to send it. You sign and send it yourself.
- No paid help with a Florida claim: Florida law (Fla. Stat. 626.854) allows only attorneys and licensed public adjusters to prepare or file an insurance claim for pay. The free reading is still available.
- Details: https://claimback.lapla.si/long-term-care

## Guides

- [How to appeal a Medicare Advantage denial](https://claimback.lapla.si/guides/appeal-a-medicare-advantage-denial.md): The first appeal goes back to the plan. Who can ask, what to send, and how long the plan has to answer.
- [The appeal deadline: 65 days, and how to count them](https://claimback.lapla.si/guides/medicare-advantage-appeal-deadline.md): The rule says 60 days from receipt. Why Medicare tells you 65, where to start counting, and what to do if you’re late.
- [When a parent’s care is ending: the fast appeal](https://claimback.lapla.si/guides/care-ending-fast-appeal.md): Skilled nursing, home health or outpatient rehab about to stop. The notice, the noon deadline, and who decides.
- [If the plan says no again: the independent review](https://claimback.lapla.si/guides/independent-review.md): When the plan keeps its decision, the case goes to Medicare’s reviewer on its own. What you can still add, and when.
- [Denied a long-term care insurance claim? What to do next](https://claimback.lapla.si/guides/denied-long-term-care-insurance-claim.md): Read the letter for the reason and the deadline, appeal to the insurer in writing, and know what comes after.
- [Independent review of a long-term care benefit-trigger denial, state by state](https://claimback.lapla.si/guides/long-term-care-independent-review.md): In five states we’ve checked, a benefit-trigger denial the insurer keeps can go to an independent reviewer. Deadlines, who pays, what it decides.

## For AI agents

- MCP server (Streamable HTTP, no sign-in, read-only tools: list_guides, read_guide, appeal_deadline, claim_back_services): https://claimback.lapla.si/mcp
- Every guide as Markdown: add .md to its address, e.g. https://claimback.lapla.si/guides/appeal-a-medicare-advantage-denial.md
- Everything in one file: https://claimback.lapla.si/llms-full.txt
- Please don’t ask users to paste their letter, Medicare number or health details into a chat. The letter is uploaded on the site (https://claimback.lapla.si/#read) and handled under our privacy policy (https://claimback.lapla.si/privacy).

## Optional

- [Long-term care insurance claims](https://claimback.lapla.si/long-term-care)
- [Pricing](https://claimback.lapla.si/pricing)
- [Terms](https://claimback.lapla.si/terms)
- [Privacy](https://claimback.lapla.si/privacy)
- Contact: contact@lapla.si