Insurers bury the rules that decide your claim in hundreds of pages no one reads. WillItCover decodes them into plain-English tools — check a procedure, or look up a medication — so you know where you stand in two minutes.
Match your situation against your insurer's actual medical-necessity rules across 17+ procedures — from breast reduction to CPAP. Get a clear readiness read and a one-page sheet for your doctor.
Check a procedure → NewSearch your plan's drug list to see if a medication is covered, what tier it's on, and whether it needs prior authorization. Covers major commercial plans and all Medicare Part D plans.
Look up a drug →Already got a "no"? Generate an appeal letter that cites the exact policy you meet, plus your state's external-review rights and the deadline you can't afford to miss.
Coming soonTurn "covered" into a real number. Estimate your out-of-pocket cost after deductible, copay, and coinsurance — so there are no surprises on the bill.
Coming soonMore than half of appealed insurance denials get overturned — usually because the care did qualify, and the paperwork just didn't speak the insurer's language. WillItCover hands you that language before you file.
Medicare covers Ozempic on 99% of plans but Wegovy on barely 1% — even though they're the same drug (semaglutide). The difference is a law that bars Part D from paying for weight loss. Coverage is full of traps like this, and a drug list won't warn you. Drug Lookup tells you which side of the line you're on — instantly.
Checking whether a procedure is covered, or looking up a medication on your plan? Start with the tool that fits your question.
Your insurer and your situation. Don't know something technical? Leave it blank — we tell you what your doctor fills in.
See whether it's likely covered, what's missing, and — for procedures — a sheet to bring to your doctor or send to your insurer.
Match your situation against the insurer's actual coverage criteria — the same rules their reviewers use. No vibes, no AI making things up.
We generate a one-page guide with the exact wording and codes your chart needs — because "chronic pain" reads as vague, while "functional impairment, ≥3 months, unresponsive to conservative care" reads as medically necessary.
The best way to win a fight with your insurer is to never have one. Walk in with a file that already fits the rules, and skip the months of appeals.
WillItCover reads the published medical policies from the largest insurers, applies Medicare's coverage determinations and formulary data, and is calibrated against more than 100,000 real, public insurance-appeal outcomes from California and New York.
No. WillItCover is an informational readiness check based on insurers' published policies. It isn't medical advice, legal advice, or a coverage guarantee — always confirm with your own plan documents and your clinician.
No. There's no account and no email required. Your answers are processed entirely in your browser and nothing is stored or sent to us.
The logic comes straight from each insurer's published medical-necessity criteria and drug lists, and the coverage check is calibrated against real appeal outcomes. It's a strong directional read, not a promise — coverage ultimately depends on your specific plan and documentation.
Two tools are live: Coverage Check for 17+ procedures (breast reduction, blepharoplasty, CPAP, GLP-1s, knee replacement and more) across Aetna, Cigna, Anthem/Elevance, UnitedHealthcare, Medicare and Medicaid; and Drug Lookup for medications across major commercial plans and all Medicare Part D plans. More tools and procedures are added every week.
Yes. Both live tools are completely free with no signup. Paid tiers that help you build documentation and appeals are coming later.
No. WillItCover is independent and not affiliated with, endorsed by, or sponsored by any insurer.