Overturn

Overturn is an AI-powered self-advocacy tool that generates professional appeal letters for mental health insurance denials, backed by PubMed clinical evidence and federal parity law.

What is Overturn?

Overturn is a specialized tool for appealing mental health insurance denials. Users upload their denial letter (PDF, photo, or text), and the AI extracts ICD-10 codes, CPT codes, denial reasons, and insurer policy language. It then searches PubMed for peer-reviewed studies and generates an appeal letter citing the Mental Health Parity and Addiction Equity Act (MHPAEA). The platform is web-based and offers a free case analysis; the full appeal letter costs $19.

Key Features

• AI-Powered Denial Analysis — Extracts ICD-10 codes, CPT codes, denial reasons, and insurer policy language from uploaded PDFs, photos, or text.
• PubMed Clinical Evidence — Searches PubMed for peer-reviewed studies supporting the specific treatment, including PMID citations.
• Mental Health Parity Act Arguments — Incorporates MHPAEA and ACA protections, highlighting parity violations.
• Adversarial Quality Review — A second AI agent reviews the letter as an insurer's lawyer would, identifying weaknesses before submission.
• Quick Turnaround — Delivers a professional appeal letter with filing instructions in minutes, compared to days with a patient advocate.
• Free Case Analysis — Users get a success probability score before paying anything.

Who is it for?

• Patients with mental health denials — Individuals who have received a denial for therapy, substance use disorder treatment, eating disorder care, or other behavioral health services, and need a quick, evidence-backed appeal.
• Out-of-network patients — Those with out-of-network denials for mental health services who need to leverage parity law.
• Self-advocates — People who want to file an appeal without hiring a lawyer or patient advocate, using a self-advocacy tool.

Use Cases

• Therapy denial for 'not medically necessary' — Upload the denial letter, get an appeal that cites specific clinical guidelines and studies.
• Visit frequency limits for mental health — Challenge stricter limits on mental health visits compared to medical visits using parity arguments.
• Substance use disorder detox/rehab denials — Appeal denials for detox, rehab, or medication-assisted treatment with clinical evidence.

How does it work?

1. User uploads their denial letter (PDF, photo, or text).
2. AI extracts denial details and analyzes the case against federal law and clinical guidelines.
3. User receives a free case score showing probability of success.
4. If proceeding, the tool generates a full appeal letter with citations, refined by a second AI.
5. User receives a PDF ready to print, sign, and send with filing instructions.

Pricing

Free case analysis; $19 for the full appeal letter. No subscriptions.

FAQ

How long do I have to file an appeal?

Under the ACA, you have 180 days from receiving the denial to file an internal appeal. Your insurer must respond within 30–60 days for standard appeals, or 72 hours for urgent ones. If denied, you can request an external review through your state's insurance commissioner.

What types of mental health denials does Overturn handle?

All common behavioral health denials: therapy, substance use disorder, eating disorder, out-of-network, prior authorization, level-of-care disputes, medication step therapy, and more. It works with major insurers like Aetna, UnitedHealthcare, Blue Cross Blue Shield, Cigna, Humana, and Kaiser.

Is Overturn legal advice?

No. Overturn is a self-advocacy tool; it is not a law firm and does not provide legal representation. The letter cites real laws and evidence, but users should review it before submission.

What are my chances of winning?

Government data shows 39–59% of insurance appeals succeed overall; for medical necessity denials, about 83% are overturned when properly appealed with clinical evidence. Yet less than 1% of denied patients appeal.