Your insurance company has a playbook.
Now you do too.
Personal PBM helps you understand how insurers decide whether to approve your treatment — and what to do if they say no. Free coverage coaching, not medical advice.
Before Your Doctor Asks for Permission
Find out what your insurance company will look for before your doctor sends in the request. Get a checklist of what they need, the paperwork your doctor should send, and a support letter to bring to your appointment.
Insurance Said No? Fight Back
Already been turned down? Paste the letter your insurance sent you and get a complete appeal letter with the reasons why you need this treatment, medical sources, and a cost comparison to help make your case.
How it works
Tell us your situation
Your condition, the treatment you need, and your insurance type.
See what your insurance looks for
We show you the requirements, what they want to see, and the most common reasons they say no — with sources.
Go in prepared
Take your checklist and support letter to your doctor's appointment.