 Did you know that your insurance company must provide details on why your claim was denied if you ask for it? This info, called your claim file, includes emails, call recordings, and medical records. If you want to challenge the denial, you need it all. Here's where ProPublica's Helper is tops. Just answer a few questions and it creates a PDF request letter. Your insurer must respond within 30 days. ProPublica can also follow up to make sure they get your file.