Free Record Check

Find the missing fact in your insurance denial.

Paste the insurer's wording. Claim Lane identifies the likely pattern, the missing fact, and the next written question to ask.

Free Record Check is available now. Paid Record Call is temporarily unavailable while the single-call artifact workflow is being verified.

Run a free Record Check → Record Call — temporarily unavailable

Built by a patient after too many insurance answers disappeared into phone calls, hold music, and “someone will call you back.”

The Record Check is free and takes about 30 seconds. No account or card required.

Not legal, medical, or insurance advice. The free Record Check is a classification tool, not a promised outcome.

What a Record Call artifact will look like

The product is the returned record, not the call.

This is the part that usually disappears after a long call. Claim Lane turns it into fields you can re-use.

This is the shape of the Record Call artifact we are testing. Identifiers are placeholders. The format is what the artifact will look like when Record Call is available.

Example · carrier authorization status inquiry Outcome: partial success
Destination
Florida Blue, Provider Services line
Captured identifiers
Call reference FB-7732891
Answered on the record
Provider records received 11/14. Stated turnaround: 14 calendar days.
Not answered
No control number assigned. No reviewer named.
Next useful move
Re-call in 5 business days citing FB-7732891 and ask whether a control number and reviewer have been assigned.

Example illustrating the artifact format. Actual content depends on what the destination says on the call. View the full sample artifact →

What counts as a useful outcome A useful call does not always mean a final answer. Useful outcomes include a reference number, a named department, a confirmed non-answer, a stated turnaround, or a refusal to proceed.
Real case study

When the insurer's in-network list didn't match reality.

A Florida PPO denied out-of-network care, claiming an in-network provider was available. The named provider wrote back to say they don't actually furnish the service. Both statements can't be true. Claim Lane documented the contradiction and built the next written move around it.

Read the case study →

Identifying details redacted. Statutory references included.

What a Record Call artifact includes

One bundled administrative record, when Record Call is available.

Audio recording of the full call
Transcript (identifiers redacted by default)
Structured AI summary
Captured reference numbers
Named department / representative when given
Date, duration, hold time
Not-answered questions (a non-answer is often the evidence)
Next useful move
Why the recording matters

Phone calls disappear. Disputes turn on what was said.

Insurance, provider, and regulator phone calls normally leave nothing behind: no transcript, no summary, no reference number you can re-cite weeks later. But the things that decide a case — what process was named, who refused, what reference number was given, whether the timeline slipped, whether anyone could actually identify an in-network provider — live inside those calls. Claim Lane preserves them as an administrative record you can use later.

Without a record
  • "I'm pretty sure they said it was approved" — nothing to cite.
  • Reference numbers forgotten or written down wrong.
  • No proof a specific question was asked and dodged.
  • No proof the rep couldn't name an in-network provider.
  • No timestamp on a stated turnaround or deadline.
With a Claim Lane call artifact
  • Audio you can play back, with the rep's words verbatim.
  • Reference numbers captured in the transcript and summary.
  • Each question asked is on the record, with the answer or non-answer.
  • Named department, named representative when given.
  • Date, call duration, hold time, and stated next step preserved.
Call patterns available now

The agent runs a fitted pattern, not a generic script.

Each pattern encodes who to ask for, how to phrase the question, what to capture on the record, and what counts as a useful answer versus a stall.

Carrier authorization status inquiry
Best used whenA prior authorization or appeal was submitted but no one can tell you where it stands.
CapturesReceipt status, control number, reviewer name when available, stated turnaround, call reference.
Carrier provider-services inquiry
Best used whenThe insurer says in-network care exists but you can't find a provider who actually takes the plan.
CapturesWhether the rep can name an available in-network provider for the specific procedure and location, or admits they cannot.
Provider new-patient scheduling
Best used whenYou need proof of wait times or that the office is not actually accepting new patients on a given plan.
CapturesStated next available appointment, whether the practice accepts the plan, or the refusal on the record.
Provider records request
Best used whenYou've requested records and nothing has arrived, or the office keeps redirecting you.
CapturesHIPAA right-of-access ask, stated turnaround, named records department contact, ticket or request number.
Regulator complaint-status check
Best used whenA complaint is already filed with OCR, OIR, DFS, or a state insurance commissioner and you need a status update.
CapturesCase status, assigned investigator when given, stated next step, expected timeline.
Advocacy-organization intake
Best used whenYou're trying to open an intake with a patient-advocacy organization (DRF, EDS Society, NORD, P&A network).
CapturesIntake status, named intake coordinator, requested documents, next-step instructions.
Pharmacy benefits verification
Best used whenYou need to know exactly how a medication is covered, what prior-auth requirements apply, or how copay assistance is being counted.
CapturesCoverage tier, prior-auth requirement, stated copay, accumulator behavior, pharmacy-side reference.

Read the methodology →

Not sure which call to make first?

Start with the call that would create the missing record.

Something was submitted — but no one can confirm status.
→ Authorization / status inquiry
The insurer says care exists in-network — but you can't find a provider who actually takes the plan.
→ Provider availability verification
You need proof of wait times or refusal — "we are accepting new patients" claims that don't hold up on the phone.
→ Provider scheduling call
A complaint is already filed — and you need to document the status.
→ Regulator complaint-status check

If you choose the wrong pattern, describe the situation in the request form. We can route it to the closest available call type.

Browse all 14+ denial patterns and what to ask for each →

Every insurance denial follows a pattern. The right first move depends on which one you have. The wrong first move wastes a review cycle.

We are testing documented call artifacts, including ways to compare inconsistent answers across calls. The paid call path is not open until the single-call workflow is fully verified.

How Record Call will work

You tell us what record is missing. The agent calls. You get the artifact.

Record Call is currently unavailable while the single-call artifact workflow is being verified.

Step 1
You tell us what call to make.
Pick the call pattern, type the questions you want asked in plain language, and add any identifiers the call will need (member ID, date of birth, claim number).
Step 2
The AI agent places the call.
It discloses that it is an AI calling assistant, requests the right department, asks your questions, navigates the IVR, holds, and captures what's said on the record.
Step 3
You get the call artifact by email.
Recording, structured transcript (identifiers redacted by default; spoken identifiers may remain in the audio recording), structured summary, captured reference numbers, named department, and the next useful move — delivered usually within an hour of the call ending.
What Claim Lane is — and is not

Not magic. A record-building service with clear edges.

What Claim Lane does not do
  • Does not guarantee the destination will answer.
  • Does not guarantee the destination will speak with an AI assistant.
  • Does not provide legal, medical, or insurance advice.
  • Does not negotiate emotionally complex issues like a human advocate.
  • Does not hide that the call is AI-assisted or recorded.
What Claim Lane does do
  • Makes the call.
  • Discloses itself on the line.
  • Records what happens.
  • Extracts reference numbers and named processes.
  • Returns a usable administrative artifact.
Pricing

Free Record Check now. Paid Record Call when verified.

The Record Check is free and available now. The Record Call is being tested and is not open for public purchase yet.

Record Check
Free/ no card
Upload a denial, EOB, authorization, or plan document. We classify the denial pattern and return the issue map plus the next move that does not poison your case.
Start here. No charge, no account required.
  • Denial pattern classification
  • Common denial problems map
  • The next written move
  • Whether a Record Call would help
Record Call · one documented call artifact
Temporarily unavailable
One targeted record-building packet. We return the call analysis, reference numbers, and the next useful written move supported by the call record.
We are testing the single-call artifact workflow. Public purchase will open once the pipeline is fully verified.
  • Audio recording
  • Transcript (identifiers redacted by default)
  • Structured AI summary
  • Captured reference numbers
  • Named department / representative when given
  • Date, duration, hold time
  • Not-answered questions
  • Next useful move
Connected Audit · early access
Not open for new sign-ups
Not open for new sign-ups yet. We are testing this only after the single-call artifact workflow is reliable.
Run a free Record Check →

The Record Check is free and takes about 30 seconds. Record Call will open for public purchase once single-call verification is complete.

Accessibility · ADA / Section 1557

For some people, the barrier is not knowing what to ask. For others, the barrier is the call itself.

For people who cannot make calls themselves, an AI calling assistant can create a clear record of the accommodation request and the destination's response.

For many chronically ill, disabled, or phone-inaccessible people, having an AI assistant place a documented phone call on their instruction may relate to a reasonable-accommodation request under the Americans with Disabilities Act and Section 1557 of the Affordable Care Act, depending on the person and the destination. Whether a specific request must be granted is a legal question Claim Lane does not decide. Claim Lane is not a law firm and does not provide legal advice. Only the member or patient may submit a call request; third-party requests are not supported at this time.

Accessibility calls open with a clear disclosure:

“I am an AI calling assistant placing this call at the instruction of [patient name], who is unable to make this call directly. If you are unable or unwilling to speak with an AI calling assistant, please state that on the record.”

Standard calls use the neutral disclosure by default:

“I am an AI calling assistant placing this call at the instruction of [patient name].”

If the destination engages, the questions are asked and answered on the recording. If the destination declines, the refusal and the accommodation request are preserved as part of the record — useful later in a complaint, appeal, HR file, or attorney intake, depending on the situation.

Data handling
How your information is used

Spoken identifiers may remain in the audio. The transcript, summary, email, and PDF use stable placeholders where possible. We use your information only to place and deliver the call artifact. We do not sell your information or use it for advertising.

Why this is trustworthy

Built with clear edges, not vague promises.

Experience

Built by a patient after too many insurance answers disappeared into phone calls, hold music, and "someone will call you back." The patterns, questions, and moves are drawn from real cases, not generic templates.

Expertise

Denial patterns are mapped to likely missing facts, common next questions, and possible escalation paths. The methodology is documented in How it works and the Denial Pattern Library.

Authoritativeness

Claim Lane can place accessibility-framed calls when a member asks for that framing. The service records the disclosure and the destination's response. It is a documented administrative record, not a legal or medical opinion.

Trustworthiness

Refunds if the line is unreachable. No hidden fees. No data sold. No advertising use. Every call is recorded, disclosed, and returned to you. See the Trust page and Privacy policy.

Who this is for

Built for people who can't make the calls.

For
  • Chronically ill patients managing complex care
  • Disabled people for whom phone calls are inaccessible
  • People with fatigue, cognitive load, or phone anxiety
  • People who need a record of what was said
Not for
  • People who prefer to make the calls themselves
  • Cases that need a human advocate negotiating in real time on emotionally complex matters
  • Legal representation in litigation (we are not a law firm)
  • One-touch problems a single quick call from you would solve faster
Before you pay — the terms in plain English

Authorization, consent, recording, refunds.

Authorization
When you submit a call request, you authorize Claim Lane to identify itself as an AI calling assistant placing the call on your behalf and to ask the questions you provided. You confirm that you are the patient or member whose name appears on the account and that the information belongs to you. Third-party requests are not supported at this time.
Consent & recording disclosure
Every call opens with an audible notice that the call is being placed by an AI calling assistant and is being recorded. The destination can decline to proceed. If they continue, that constitutes consent on the recording. We follow the consent laws of the jurisdiction the call is placed into.
If the destination declines
If the rep declines to speak with an AI calling assistant, the refusal and the accommodation request are captured on the recording and noted in the summary. The call counts as delivered and is not refunded — the record of the refusal is what you bought.
Refunds
If the line is unreachable (out of service, dead air, no human after reasonable retries), a paid Record Call would be refunded. Refunds are not issued for refusals to engage with an AI calling assistant — that record is the documented artifact.

First-pass only

Record Check is a first-pass tool. Complex cases — including emergency out-of-network bills, mental-health parity, specialty drugs, step therapy, and contradictory denials — may involve multiple patterns and should be reviewed carefully before appeal deadlines.

Not sure where to start? Check your case free.

Check your case free →

Record Call is being tested and is not open for public purchase yet.

We are testing the single-call artifact workflow before public release. The free Record Check is available now.

Frequently asked questions

The questions people ask before their first call.

What you get
What is a Record Check, and is it really free?

The Record Check is a free denial pattern classification. Paste or upload a denial letter, EOB, authorization, or plan document, and Claim Lane identifies the likely failure pattern, returns the issue map, and tells you the next move that does not poison your case.

No account and no card required. It takes about 30 seconds.

What will a Record Call include when available?

One focused administrative call placed on your behalf, and the record it produces: an audio recording, a transcript with identifiers redacted by default, a structured summary, any captured reference numbers, the named department or representative when one is given, and the next useful move.

That returned record is the product, not the call itself.

How and when do I get the result?

By email, with a private result link. Most results arrive within about an hour of the call ending.

The link is yours to keep. Do not share it — anyone who has it can view your result.

What does “artifact or refund” mean?

A paid Record Call is not considered delivered unless a usable artifact reaches you: a recording, a transcript, a structured summary, a result page, and a delivery path to reach you.

If Claim Lane cannot deliver a usable artifact, the payment is refunded. A captured-and-delivered refusal or non-answer — the record of what the carrier, provider, regulator, pharmacy, or advocacy line said when asked — can itself be the artifact.

How it works
How does the AI call actually work?

You pick the call pattern, type the questions you want asked in plain language, and add any identifiers the call needs. The AI agent then places the call.

Every call opens with an audible disclosure that it is an AI calling assistant placing the call at your instruction, and that the call is recorded. The agent requests the right department, asks your questions, navigates the phone menu, holds, and captures what is said on the record. The destination can decline to proceed.

What happens if the call hits a phone menu or a long hold?

The agent works the phone menu and stays on hold rather than hanging up. Each call is one focused question, because single-question status calls are the mode that works.

If the line never reaches a person who can answer, that outcome is documented too.

Can I choose how the call is framed?

Yes. On the call form you choose a standard documented call or an accessibility accommodation framing, or let the agent decide. The framing you pick controls the disclosure spoken at the top of the call.

Do you call me, or only the destination?

Claim Lane places the call to the destination you provide — your insurer, provider, pharmacy, regulator, or advocacy line. When a question can only be answered to you directly, the agent can request that the destination call you back.

Your result always comes by email either way.

Legal, privacy, safety
What is the ADA / Section 1557 framing?

For people who cannot make calls themselves, having an AI assistant place a documented call on their instruction may relate to a reasonable-accommodation request under the Americans with Disabilities Act and Section 1557 of the Affordable Care Act, depending on the person and the destination.

Whether a specific request must be granted is a legal question Claim Lane does not decide. Only the member or patient may submit a call request.

How does Claim Lane handle my personal information?

Spoken identifiers may remain in the audio recording. The transcript, summary, email, and PDF use stable placeholders where possible. Claim Lane uses your information only to place and deliver the call artifact.

See the Trust page for the full data-handling posture.

Is the call recorded, and is that allowed?

Yes, every call is recorded, and the recording is part of what you receive. The agent states on the call that it is recorded.

Recording-consent language is spoken on every call so it holds in two-party-consent states such as Florida.

Do you sell my data or use it for advertising?

No. We do not sell your information or use it for advertising. Your result link is private and is never sent to advertising networks.

Honest limits
Can you guarantee my claim gets approved?

No. Claim Lane cannot guarantee that any insurer, provider, or payer will answer the question or resolve the issue.

What you are guaranteed is the documented record of the attempt, or a refund if no usable record lands.

What kinds of requests are not a good fit?

Anything that cannot be handled safely as one focused administrative call. If a request would require legal argument, medical judgment, or a multi-step adversarial script, Claim Lane may decline it and refund the purchase rather than place a low-quality call.

What if the destination refuses to speak with an AI calling assistant?

The refusal is captured verbatim on the recording and noted in the summary. The call counts as delivered, because the record of the refusal is what you bought.

A documented refusal is a usable artifact for an OCR civil-rights complaint, a state regulator filing, or an external-review packet.

What if the line is unreachable or the call cannot complete?

If no usable artifact can be produced — for example the number is unreachable, or the call never reaches a person who can answer — the payment is refunded. You are never charged for a call that produced nothing.

About the company
Who built Claim Lane, and why?

Claim Lane was built by a patient, after too many insurance answers disappeared into phone calls, hold music, and “someone will call you back.”

The idea is simple: make the call, and turn what is said into a record you can keep.

Are you a law firm or an insurance company?

Neither. Claim Lane is an independent service that places administrative calls and builds records. It does not represent you legally and is not affiliated with any insurer.

How do I reach a human?

Email support@lane.claims. A person reads it.

If you did not receive a result email, check your Updates, Promotions, or spam folder first, then reply and we will resend.

Specific concerns
Can someone else request a call for me?

Only the member or patient may submit a call request. The form asks you to confirm you are the person whose benefits and claims the call concerns, and to authorize the calling assistant to receive that information on your behalf.

What if I entered the wrong number or details?

Before any paid call, the destination number is validated for basic safety. If something looks wrong, email support@lane.claims as soon as possible.

If a call cannot be placed safely or usefully, it is refunded rather than placed.

Will the destination know it’s an AI?

Yes. Every call opens with an audible disclosure that it is an AI calling assistant placing the call at your instruction, and that the call is recorded. Claim Lane does not hide that the caller is an AI.

Can I use a documented refusal in a complaint or appeal?

A captured refusal or non-answer is a record of what was said when asked. People use these records in complaints, appeals, regulator filings, and attorney intake.

Claim Lane builds the record. It does not file these for you or advise you on them.

Check your case free Record Call unavailable