What do I need to use Claim Denial Decoder?

The denial letter text; The claim story; The policy language; What's already been sent.

Is Claim Denial Decoder free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Claim Denial Decoder

Q: How do I know the Claim Denial Decoder output is good?

The skill verifies itself against its own quality checks: The appeal answers the denial's exact cited words, quoted back; Every assertion in the appeal points to an attached document; Appeal-odds framing is honest — hopeless denials are named as such with the alternative path; The escalation ladder notes which rungs are jurisdiction/plan-dependent.

🔵 Stable🕐 updated 2026-10-06⚖️ rules checked 2026-07-18Not yet expert-reviewed · review it 🔷 SkillSpec L3 pm-decoders

Decode an insurance claim denial letter — what the cited reason actually means, whether it's commonly overturnable, and the appeal letter that answers it point by point. Use when someone asks 'my insurance claim was denied what do I do', 'decode this denial letter', 'can I appeal this denial', or 'write my insurance appeal'. Produces the denial decode with overturn-likelihood framing, the evidence checklist, the point-by-point appeal letter, and the escalation ladder past the insurer.

▶ Run it free — no key needed 📝 Grade your existing draft ⬇ Add to Claude (works in Duet) 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“My insurance claim was denied: what do I do?”“Decode this denial letter.”“Can I appeal this denial?”“Write my insurance appeal.”

What to give it

▸The denial letter text — the cited reason codes/language, and the stated appeal deadline. No letter yet? First move is requesting the denial in writing with the specific policy basis.

▸The claim story — what was claimed, when, the loss or treatment, and any prior authorizations or adjuster interactions.

▸The policy language — if available — the appeal's strongest sentences quote the policy against the denial.

▸What's already been sent — and what the insurer claims it never received (the classic).

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓The appeal answers the denial's exact cited words, quoted back

✓Every assertion in the appeal points to an attached document

✓Appeal-odds framing is honest — hopeless denials are named as such with the alternative path

✓The escalation ladder notes which rungs are jurisdiction/plan-dependent

✓All deadlines extracted into one box, with the send-date recommendation inside them

✓The disclaimer line appears verbatim in the artifact

⚠️ What it refuses to do

Do not write an outrage letter — adjusters route anger to the bottom of the pile; evidence moves files

Do not argue grounds the denial didn't cite — answer what was asserted, nothing more

Do not promise overturn odds as percentages — frame as reason-type patterns, not statistics

Do not let the appeal miss its deadline while gathering perfect evidence — file adequate-and-on-time, supplement after

Do not skip the reframe when it's a valuation dispute — "denied" and "lowballed" have different playbooks

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="claim-denial-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Claim Denial Decoder is one of 1326 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog