How does Counterclaim generate an insurance appeal letter?

Counterclaim uses a 5-agent AI pipeline. The Reader extracts claim data from your document. The Researcher identifies applicable state insurance law. The Writer drafts a formal appeal letter. The Adversary identifies weaknesses. The Editor rewrites the letter to eliminate all weaknesses. The final letter is ready to print and mail in minutes.

Is Counterclaim free to use?

Yes - Counterclaim is free during the launch period. Upload your denial letter and receive a complete adversary-tested appeal letter at no cost. No account required.

What types of insurance denials can Counterclaim handle?

Counterclaim handles all major denial types: medical necessity (CO-50), prior authorization (CO-11), experimental treatment (PR-1), fee schedule (CO-45), timely filing (PR-27), not covered (CO-4), step therapy (PR-50), and missing information (CO-16).

What file formats does Counterclaim accept?

Counterclaim accepts PDF files, JPG and PNG photos, and scanned documents of your denial letter or Explanation of Benefits (EOB).

Does Counterclaim provide legal advice?

No. Counterclaim generates appeal letters based on publicly available legal and clinical information but does not constitute legal advice. For complex cases, consult a licensed healthcare attorney or certified patient advocate.

What is the NQTL comparative analysis?

A written analysis the plan must maintain (and produce on request under the 2024 MHPAEA final rule) demonstrating that any non-quantitative treatment limitation on mental-health or SUD benefits is comparable to and no more stringent than limits on medical/surgical benefits.

Can I file with the DOL in addition to the state?

Yes for self-funded ERISA plans. The Department of Labor's Employee Benefits Security Administration enforces MHPAEA for ERISA plans.

What if my plan denies residential treatment but covers SNF?

That is a textbook disparate-treatment example. Cite both the specific medical/surgical analog the plan covers and the plan's failure to demonstrate comparable NQTL application.

Mental Health Parity · Florida

Appeal a Mental Health Parity Denial in Florida

Mental Health Parity and Addiction Equity Act (MHPAEA) prohibits insurers from imposing more restrictive limits on mental-health and substance-use treatment than they do on comparable medical/surgical care. Florida insurers are subject to MHPAEA, and the 2024 MHPAEA final rule strengthened the patient's right to demand the comparative analysis.

When a Florida insurer denies mental-health or substance-use care, the appeal should explicitly invoke MHPAEA and the 2024 final rule. Cite the specific medical/surgical analog the insurer covers more generously - for example, residential mental-health treatment compared to skilled nursing facility coverage, or partial hospitalization for behavioral health compared to partial hospitalization for medical care.

Demand the plan's Non-Quantitative Treatment Limitation (NQTL) comparative analysis - the 2024 rule requires plans to produce this on request. If the plan refuses or the analysis shows disparate treatment, you have grounds for both an internal appeal and a regulatory complaint.

After internal appeal denial, escalate to external review through Florida's adopted federal external-review process under Fla. Stat. section 627.6044. Also consider a parallel complaint to the Florida Department of Financial Services and the federal Department of Labor (for self-funded ERISA plans).

Statutes and resources cited

Mental Health Parity and Addiction Equity Act, 29 U.S.C. section 1185a
MHPAEA Final Rule (2024), 89 Fed. Reg. 77586 (Sept. 23, 2024)
Florida Statutes section 627.6044 (external review)
DOL Employee Benefits Security Administration MHPAEA enforcement: askebsa.dol.gov

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Upload your denial. Our 5-agent AI pipeline drafts a professional mental health parity appeal under Florida law in about 2 minutes, free.

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Frequently asked questions

Denial code guide

Other high-intent guides

Appeal a Prior Authorization Denial in California

Appeal a Medical Necessity Denial in Texas

Appeal an Experimental Treatment Denial in New York

Appeal an Out-of-Network Denial in Illinois

Appeal a Step Therapy Denial in Pennsylvania

Appeal a Balance Bill in Georgia