82%
of Medicare Advantage skilled-nursing admission denials were never appealed, in a 2026 federal review.
For patients facing bills, denials, and collectors
Insurers denyclaims in seconds.Lysco helps youfight back.
Upload a bill, denial, or insurance statement. Lysco reads the fine print, connects the evidence, and shows what your own documents support. When they support an appeal, Lysco drafts it. You decide what gets sent.
- Free
- See where you stand
- $9
- Unlock the appeal your documents support
- You
- Review, sign, and send
Start herePrivate case file
Upload any health insurance document
Create a private account, then add a photo, PDF, or pasted text.
About 20 seconds. No card. One full document review is free each month.Watch the demo first
Lysco helps you understand medical documents and prepare appeals and disputes. It is not legal, medical, or insurance advice.
The paperwork Lysco can help with
Your documents remain yours.
- Encrypted storage
- No training on your data
- Never sold
- Delete anytime
The appeal gap
1.2 seconds
average review time as one major insurer’s automated system denied more than 300,000 claims.
Denials happen at industrial scale. Almost no one fights.
95%
of the ones that were appealed came back overturned — the same denials, in the same review.
4 in 5
appealed Medicare Advantage prior-auth denials were overturned in 2024 (80.7%) — a second, separate group of denials.
40%
of US consumers know they have a legal right to an appeal reviewed outside their insurer.
These are published US figures, not Lysco customer outcomes. Each number counts a different group of people, and none of them predicts your result.
See how we verified these numbersWhat Lysco does about it
- One full document review, free every month.Upload a bill, denial, or insurance statement and see what it means, what looks wrong, and your next step. No card.
- $9 flat. No percentage of your recovery, ever.That unlocks the appeal your documents support, plus the evidence checklist and step-by-step submission instructions. No success fee, no cut of what you get back.
- Every line traced to your documents.Each finding points back to the page it came from. For appeals, a second pass checks the laws and facts against your own documents before you sign anything.
See the work
One denial. Three documents. An appeal you can inspect.
This is how Lysco reads a typical denial — every finding points back to the line that supports it.
Three documents, read togetherThe case file
Notice of adverse benefit determination
- Member
- KB-88412-07
- Claim
- 2026-A8-307112
- Billed
- $1,430
- Reason code
- CO-50
- Notice date
- March 14, 2026
- Service
- CPT 72148 — MRI, lumbar spine
Following clinical review, the service above has been determined not medically necessary under plan medical policy MP-114 (advanced imaging, lumbar spine).
Documentation received does not establish that conservative treatment requirements have been met prior to advanced imaging.
This determination was made by the plan’s utilization review team. Questions may be directed to Member Services. — Utilization Review
Document 2 · Plan terms
“A low-back MRI is covered when six weeks of simpler treatment has not helped. Appeals may be filed within 180 days.”
Document 3 · Clinic note
“Eight weeks of physical therapy completed. Pain unchanged. MRI recommended.”
Check complete
All three documents back the appeal
Appeal strength
Strong appeal candidateconfidence range 71–84 · strength of the documented position, not odds
2026-A8-307112claim number, as printedCPT 72148the denied service — lumbar MRI$1,430billed on the claimCO-50 · MP-114reason code and policy cited180 daysappeal window, from the plan termsSeptember 10, 2026deadline computed from the notice date
- +20
The documents needed to assess the denial are presentBaseline
The denial, plan terms, and clinic note are available together. The actual receipt date still needs confirmation before filing.
- +34
The plan’s own coverage rule is metClinical
MP-114 requires six weeks of simpler care first; the clinic note documents eight, with no improvement.
- +22
Required notice elements are missingProcedural
No appeal deadline and no criteria disclosure appear anywhere in the letter — and no reviewing clinician is named.
- +14
No individualized explanationReasoning
The denial never says why eight documented weeks of therapy fail its own conservative-care requirement.
- −12
The insurer can re-review the recordCaution
A clinical re-review could weigh new criteria — the therapy notes must be attached, not summarized.
Where each conclusion comes from
- 01
Denial letter
The insurer says “not medically necessary.”
It cites policy MP-114 and calls conservative treatment unmet — while naming no reviewing clinician and stating no appeal deadline.
- 02
Plan terms
The plan covers the scan after simpler care fails.
Its own words require six weeks of simpler treatment and allow 180 days to appeal.
- 03
Clinic note
The required care was tried for eight weeks.
The note records physical therapy with no improvement — the exact condition the plan set, and the fact the denial calls unmet.
You denied claim 2026-A8-307112 (CPT 72148) as not medically necessary under policy MP-114. The plan’s own terms say otherwise.
The plan covers a low-back MRI once “six weeks of simpler treatment” has not helped. The attached clinic note shows eight weeks of physical therapy with no improvement.
Please reverse the denial. This appeal is filed within the 180-day window ending September 10, 2026.
You review it. You sign it. You send it.
$1,430 at stake. $9 to fight back. When an appeal like this one succeeds, the plan covers the scan.
If the documents do not back an appeal, Lysco says so before you pay. A weak case gets a straight answer, not a $9 appeal.
- 01Read the record
Bill, denial, plan terms, and notes — together.
~10 sec to upload - 02Test the evidence
Every conclusion points to a document you can see.
~1 min to a verdict - 03Build the appeal
Drafted only when the available record supports one.
~3 min if you act
See why they said no.
The reason is in the paperwork. Lysco reads every line and shows you what it says.
Informational only — not legal, medical, or insurance advice.
Simple pricing
The first read is free. Fighting back is $9, flat.
Lawyers cost hundreds an hour. People who fight bills for you take 10–35% of what you save. Lysco never takes a cut.
$9 unlocks the ready-to-sign appeal your documents support, plus the evidence checklist and step-by-step submission instructions. No subscription needed. Handling several? See plans
Before you start
Questions people ask before they upload.
Will you contact my insurer or hospital?
No. Lysco prepares everything for you to use — the appeal, an evidence checklist, and step-by-step submission instructions. You decide if and when you send it. We never call, mail, fax, or speak to your insurer, hospital, or a collector for you.
Can checking or pushing back make things worse?
Checking is completely private — no one is contacted, and nothing leaves your account unless you choose to send it. Appealing a denial or disputing a bill is a normal, expected step that people take every day; it simply asks for a second look.
Is my information safe?
Your file goes straight into locked storage — our web servers never even receive it. It's encrypted on disk, and the sensitive text inside is encrypted a second time in the database. Your documents are never sold and never used to train AI. You can delete any case or file anytime from Settings; limited provider backups and security, deletion, consent, or payment records may remain for the periods described in the Privacy Policy. See security.
What if my case is weak?
Then you keep your money. Lysco won't manufacture a fight — it tells you plainly, before you pay anything, whether one looks worth it, and just as plainly when it doesn't. Even then you often still have options: many denials qualify for a free independent outside review, and a bill you can't win down may still qualify for financial assistance or a payment plan.
A denial can be appealed.
Upload your bill or denial. See what your documents support before you pay anything.
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