How AI Can Help You Appeal Health Insurance Denials

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Whitehead found Warris Bokhari, the founder of Claimable, an AI tool that helps people appeal insurance denials for medication and other treatments. Claimable drafted a letter for…

Tom Whitehead knows which medicine works to treat his Crohn’s disease. But when he switched insurers in 2025, he says was denied coverage for the expensive medication, Remicade, which he received in a monthly infusion. He was instead put on what’s called a biosimilar, which is essentially a slightly different version of the drug made from the same materials.

The biosimilar did not work well for him. His symptoms worsened, he had urgent and unpredictable bowel movements, and he got kidney stones twice, ending up in the hospital, he says. His doctor’s office appealed the coverage denial after his bad side effects, he says, but the company upheld it and he could not get the medication he wanted.

Whitehead found Warris Bokhari, the founder of Claimable, an AI tool that helps people appeal insurance denials for medication and other treatments. Claimable drafted a letter for him and told him to send it to. With his input, Claimable outlined his experience with the biosimilar drug, detailed how he’d missed work because of his symptoms, and cited federal statutes that, the AI argued, meant that his insurer had to cover this “medically necessary drug.”

Five days later, he got a call from his doctor’s office that his Remicade had been approved.

Health insurers are increasingly using AI to evaluate requests for coverage of drugs and medical procedures. But patients, too, are using AI to fight back against denials. Services like Claimable, Fight Health Insurance, Mediloop, and Billyze help people understand their medical bills and push back against what could be improper billing or wrongful denials.

Many Americans have had an experience where their insurance denies a procedure or medication request from a doctor. But very few of them appeal those denials. One recent survey of more than 4,500 U.S. working-age adults with private health insurance found that 21% reported that they or a family member had experienced a denial of coverage in the past year.

People often don’t appeal…

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