Families shouldn't have to fight Medicare alone
Across the country, older Americans are routinely told their Medicare Advantage plan will stop paying for skilled nursing, rehab, or home health care — often while they're still recovering. The right to appeal that decision is theirs. Almost no one knows how to use it. Recourse exists to change that.
The problem we fix
Picture the situation millions of families know. A parent leaves the hospital and moves into a skilled nursing facility to recover. A few weeks in, a letter arrives: coverage ends in two days. They still can't walk safely — but the clock is already running. Buried in the fine print is the right to appeal: a deadline measured in hours, a process no one explains, and a plan that is quietly counting on the family to give up. Most families do.
Many of these denials are driven by algorithms, not by a clinician who examined your parent. And the rules that protect patients — the ones that say coverage can't end just because someone has stopped “improving” — are real, but buried in federal regulation most families never see.
What we do about it
Recourse reads your denial notice, finds the specific Medicare rules that apply to your situation, prepares an appeal grounded in those rules, has a real person review it, and mails it to your plan by certified mail with tracking. You see everything first, and you only pay — a flat $129— if you decide to send it. Filing an appeal is your right, and you can always do it yourself for free. We are for the families who don't have the time, the stomach, or the regulatory fluency to do it alone.
Why this is personal
I'm Jacob, and I started Recourse after watching my own grandparents move through in-home care and nursing homes in their last years. I wasn't the one handling the paperwork back then — I was young, and like most families, we trusted the system to do right by people who had spent their whole lives paying into it. The more I learned about how Medicare Advantage plans deny post-acute care — quietly, at scale, often by algorithm — the more it was clear how many families hit that same wall with no idea they were allowed to push back. Recourse is the tool I wish those families had: not a law firm, not a lecture, just a fast, honest way to make a plan reconsider a decision it shouldn't have made.
— Jacob Henri, Founder
What Recourse is — and what it isn't
- Independent. We are not affiliated with, endorsed by, or sponsored by Medicare, CMS, any government agency, or any health plan. The plan whose denial you are appealing is the adverse party — not our partner.
- Not a law firm. We do not provide legal advice or represent you in court. We help you prepare and submit an appeal you are already entitled to file under federal Medicare Advantage rules.
- Not a healthcare provider, and not insurance. Your fee buys document preparation, review, and certified mailing — not coverage, and not a medical opinion.
- Honest about how it works. Appeal letters and statements are drafted with the assistance of AI and reviewed by a Recourse team member before any document is mailed. Drafts are provided for your review and are not legal or medical advice.