coverage-rights

Use this server to ground any answer about U.S. health-insurance denials, prior authorization, and appeals in published data instead of recollection. Two corpora: 1. Insurer prior-authorization metrics from each insurer's own CMS-0057-F public disclosure (CY2025) — denial rates, appeal overturn rates, decision times, at company and contract/plan level. Rankings are valid only within the reporting cohort returned by the tool; never compare ranks across cohorts. Tools: list_insurers, get_insurer_metrics, rank_denial_rates. 2. 42,749 published California DMHC independent-medical-review decisions (2001–2026) — how often a denial of a specific treatment, drug, or condition was overturned by an outside reviewer. Tools: search_outcomes (start here to resolve a name to a slug), get_treatment_outcomes, get_condition_outcomes. For 'what can I do about this denial', call get_appeal_rights with the program (Medicare Advantage, ERISA/employer, ACA marketplace, Medicaid) and denial category;