An AI that turns a denied insurance claim into a source-cited, signature-ready appeal — and can't invent a citation.

The bottleneck in denials isn't winning — it's filing. Merits turns an hour of appeal-drafting into about a minute, for $9, so the winnable denials small practices write off get filed.

What it is

Drafts insurance-denial appeals quoted, line by line, from real payer policy and federal law — and re-checks every citation against its source before it appears.

Who it's for

Physicians and small / independent practices, and the billers and billing companies that work their claims.

How it works

Upload the denied EOB → patient identifiers are stripped in the browser → in about a minute, a complete, signature-ready appeal: the cited letter, the records to attach, and where to file.

Why it's different

A general AI will cite a regulation that doesn't exist on a letter a physician signs. Merits works only from a closed library, so it structurally can't invent a citation.

Pricing

$9 per letter, down to about $5 in volume — or a $20/mo plan (20 letters a month). No account or contract for pay-per-use; cancel the plan any time.

Privacy

Patient name, ID, and date of birth are stripped in the browser; Merits never receives who the patient is.

Availability

Runs in any browser — desktop or mobile. Nothing to install.

What it isn't

Not legal or medical advice; no guaranteed outcome. A human reviews, edits, and signs every letter.