Insurers bury the rules that decide your claim in hundreds of pages no one reads. WillItCover turns them into a 2-minute check: see whether you qualify, what to document, and the exact drug form or dose your plan covers — so you fix problems before they become denials.
Our first focused, in-depth practice area: check bariatric surgery and GLP-1 weight-loss drugs (Wegovy, Zepbound) against your insurer's real criteria — where the BMI bar differs by insurer (Cigna 35, Aetna 40).
Open Weight & metabolic → ✓ VerifiedTherapy stays covered with skilled need, a plan of care with measurable goals, and functional progress — checked against the real eviCore / Carelon standard (and Medicare's Jimmo rule). Maintenance-only gets denied; see what to document.
Open Therapy & rehab → ✓ VerifiedImaging PA turns on a red-flag finding (which fast-tracks the scan) or a conservative-care trial — not the CPT code. Check a spine, brain, or joint scan against the real eviCore / Carelon (ACR-based) criteria.
Open Advanced imaging → ✓ VerifiedSnoring isn't enough — CPAP needs a sleep study confirming sleep apnea (your AHI). Check CPAP, a sleep study, or the Inspire implant against your plan's real thresholds — which differ by insurer.
Open Sleep apnea → ✓ VerifiedJoint-replacement approval keys off the arthritis grade on imaging (KL 3–4 / Tönnis 2–3) plus a documented conservative-care trial — checked against the real eviCore CMM-311/313 criteria. See what to document before scheduling.
Open Orthopedic → ✓ VerifiedSpine injections and neuromodulation run through eviCore and Carelon on precise rules — the epidural radicular indication, the ablation two-block ≥80% rule, and the stimulator psych-eval-and-trial requirement. See exactly what to document.
Open Interventional pain → ✓ VerifiedTumor genomic profiling, hereditary-cancer panels, and proton beam therapy run on precise NCCN / eviCore / Carelon rules — the advanced-disease NGS gate, the hereditary-testing criteria, and the proton "defined indication vs IMRT" line. See what to document.
Open Oncology → ✓ VerifiedEczema and psoriasis drugs — Dupixent, Rinvoq, Skyrizi, Opzelura and more — get denied for a few fixable reasons: undocumented severity, missing step therapy, and a non-specialist prescriber. Verified against UnitedHealthcare's published Dupixent, Skyrizi and Opzelura criteria. See exactly what to document.
Open Dermatology → ✓ VerifiedCosmetic by default — covered only with documented functional impairment. Check breast reduction (Schnur gram threshold), blepharoplasty (visual-field loss), or septoplasty against each insurer's exact bar.
Open Cosmetic & reconstructive → ✓ VerifiedCovered for treatment-resistant depression after failed antidepressants plus an add-on trial — psychotherapy for Cigna, augmentation for Aetna. Check TMS or esketamine against the verified step-therapy rules.
Open Mental health → ✓ VerifiedA tummy tuck for shape is cosmetic — but a panniculectomy, hernia repair, or postpartum PT can be covered. We map your situation to the covered (or cosmetic) path.
Open Abdominal & postpartum → 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 → FreeOther commonly-denied procedures — varicose-vein treatment, Botox for chronic migraine, CGM, and more — checked against payer criteria. Dedicated practice areas are rolling out one by one.
Check a procedure →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.
Before you can get a lot of care, your doctor has to ask your insurer to approve it first — a full round trip of paperwork and waiting. When it comes back denied, it's often not because the care didn't qualify. It's because the request didn't say what the insurer needed to hear: the wrong billing code, or a missing note that you'd already done six weeks of physical therapy. So an appeal goes in — and more than half the time it's overturned. A second round trip, weeks later, for care that qualified all along.
That's two avoidable trips through the system — paid for in your time, your doctor's, and the insurer's. WillItCover hands you the insurer's own checklist before the first request goes in, so it's right the first time. Fewer denials, fewer appeals, faster care. Better for patients, better for doctors, and even better for insurers — which is exactly why we built it.
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.
In plain terms: the GoodRx of “will my insurance actually cover this?” — we read the rulebook so you don't have to.
Think of it as TurboTax for your insurance coverage — or a GoodRx for "will it be covered?" Insurers bury the rules that decide your claim in dense, hundred-page policies. We read them so you don't have to, and turn them into a clear answer in plain English — plus the exact wording and codes your doctor needs to get it approved.
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.