• Insurers on HealthCare.gov denied 19% of in-network claims in 2024. Fewer than 1% of denied claims were appealed. (KFF, 2024)
• Claim counts start from typical yearly use by age group. Each doctor visit, medicine refill, and procedure creates its own claims.
• People taking 5 or more medicines had about 48% more office-visit costs in a national study of older adults. (MEPS analysis)
• Missed doses are linked to more urgent care and hospital stays, which means more claims.
• Shift work, physical labor, and hazardous exposures raise injury and chronic illness risk (NIOSH). Injuries covered by workers' comp aren't counted here.
• Savings per approved appeal = the claim's average allowed amount × 80%, the typical share a plan covers. If a claim is denied, you owe all of it. If the appeal wins, your plan pays its share. Allowed amounts come from national survey data: $308 per office visit, $233 per prescription fill, and $1,344 per hospital outpatient visit. (AHRQ MEPS, 2024) Therapy uses $168 per session, the average rate for in-network therapists. (JAMA Network Open, 2024)
• Storage is valued at $12 a year, the price of Apple's iCloud+ 50GB plan, the cheapest common paid storage plan.
• Unlimited chat only counts in months your household would go past free Leo's 50 messages. We assume about 4 messages for each visit, checkup, therapy session, or denial, spread across the year, plus about 30 more in any month with a procedure or an appeal. Each month over the cap is valued at one month of LeoPlus, $9.99.
• We assume half of appeals succeed. LeoPlus includes 3 appeal letters a quarter, up to 12 a year. Free Leo doesn't include appeal letters. We apply the 12 letters to your largest denials first, and we assume every household has at least 1 denial worth appealing.

This is an estimate, not a promise. Every plan and every case is different, and no one can guarantee an insurer's decision. Leo provides health information and guidance, but does not replace professional medical advice, diagnosis, or treatment. Always consult with a qualified healthcare provider about your health concerns.