For US health insurance denials
Your claim was denied. Let's write the appeal.
Get a free, plain-English analysis of your denial and your appeal options in about a minute. Then, if you want, a tailored appeal letter PDF with a checklist and deadlines for $4.99.
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Your free analysis will appear here: likely denial category, ACA internal appeal vs external review, suggested grounds, and urgency notes.
How it works
- Step 1
Enter your details
Insurer, the denial reason or code, the service and dates. Paste the letter if you have it.
- Step 2
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See the likely denial category, your internal appeal and external review options, and grounds to argue.
- Step 3
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Optional $4.99 secure Stripe checkout. Your tailored PDF letter, checklist and deadlines are generated right away.
What you get for $4.99
One-time payment. No subscription, no account.
- A tailored appeal letter. Written from your details and your denial reason, ready to sign and send.
- Document checklist. The records and letters worth attaching, such as a letter of medical necessity.
- Deadline reminders. Internal appeal and external review timing to confirm against your notice.
- Next steps if it's upheld. How independent external review generally works.
- Instant PDF download. Generated right after checkout. Refunds for letter errors within 14 days.
appeal-letter.pdf · page 1Sample
Health Insurance Appeal Letter Packet
[Your name] · Member ID [ID] · Claim [number]
Re: Request for internal appeal of denied claim for lumbar MRI
To the Appeals Department:
I am writing to request an internal appeal of your decision dated [date] denying coverage for a lumbar MRI ordered by my physician. The denial states the service is “not medically necessary.” I respectfully disagree for the reasons below.
Free appeal guides
See all →- How to Appeal an Aetna Medical Necessity Denial
- Appeal a UnitedHealthcare Prior Authorization Denial
- Appeal a Cigna Experimental or Investigational Denial
- Appeal a Blue Cross Out-of-Network Denial
- Appeal a Humana Formulary or Pharmacy Denial
- What Is Denial Code CO-50 and How Do You Appeal?
- Appeal Denial Code CO-151 (Payment Adjusted)
- How to Appeal an MRI Prior Authorization Denial
- Appeal a Physical Therapy Visit Limit Denial
- Appealing a Mental Health Coverage Denial (Parity Context)
- ER Bill Denied? Appeal and Surprise Billing Basics
- ACA Internal Appeal Deadlines Explained
- ACA External Review: How It Works
- Appeal a Kaiser Referral or Authorization Denial
- Medicare Advantage Organization Determination Appeals
- Appeal a Denied GLP-1 / Weight-Loss Drug Coverage
- Appeal a Denied Surgery After Second Opinion
- Aetna Appeal Letter: How to Write One (Free Sample)
- UnitedHealthcare Appeal Letter: How to Write One (Free Sample)
- Cigna Appeal Letter: How to Write One (Free Sample)
- Blue Cross Blue Shield Appeal Letter: How to Write One (Free Sample)
- Anthem Appeal Letter: How to Write One (Free Sample)
- Humana Appeal Letter: How to Write One (Free Sample)
- Kaiser Permanente Appeal Letter: How to Write One (Free Sample)
- Ambetter Appeal Letter: How to Write One (Free Sample)
- Molina Healthcare Appeal Letter: How to Write One (Free Sample)
- Oscar Health Appeal Letter: How to Write One (Free Sample)
- How to Appeal a Medicaid Denial (Plan Appeal and State Fair Hearing)
- How to Appeal a Medicare Part D Drug Denial
- How to Appeal an Employer Health Plan Denial (ERISA Plans)
- Ozempic Denied by Insurance? How to Appeal (Free Sample Letter)
- Wegovy Denied by Insurance? How to Appeal (Free Sample Letter)
- Mounjaro Denied by Insurance? How to Appeal (Free Sample Letter)
- Zepbound Denied by Insurance? How to Appeal (Free Sample Letter)
- Step Therapy Exception: How to Ask Your Insurer to Skip 'Fail First'
- Biologic Drug Denied (Humira, Dupixent, etc.)? Appeal Guide
- MRI Denied for Medical Necessity? How to Appeal
- CT or PET Scan Denied? How to Appeal
- Physical Therapy Denied as Not Medically Necessary: Appeal Guide
- Sleep Study or CPAP Denied? How to Appeal
- Bariatric Surgery Denied? Appeal Steps and Sample Letter
- Breast Reduction Denied as Cosmetic? How to Appeal
- Genetic Testing Denied by Insurance? Appeal Guide
- Ambulance Claim Denied? How to Appeal
- Residential Mental Health or Substance Use Treatment Denied: Appeal Guide
- ABA Therapy for Autism Denied? How to Appeal
- Out-of-Network Claim Denied? How to Appeal
- Network Gap Exception: Get Out-of-Network Care Covered at In-Network Rates
- Letter of Medical Necessity: What Your Doctor Should Include
- Peer-to-Peer Review: What It Is and How to Ask for One
- Expedited (Urgent) Insurance Appeal: When and How to Request One
- How to Request Your Claim File and Denial Criteria From Your Insurer
- Appeal Denied Again? Second-Level Appeal and Next Steps
- External Review Request Letter: Free Sample and Steps
Questions
- Is this legal advice?
- No. This is document preparation and education only. We are not a law firm or your insurer.
- What do I get for $4.99?
- A tailored internal appeal letter PDF, a document checklist, and deadline reminders based on the details you enter.
- Do you guarantee my appeal will win?
- No. Outcomes are never guaranteed. Always review the letter and confirm deadlines on your denial notice.
- What happens to my pasted denial text?
- We don't store it on our servers. Your details are encrypted and kept only in your browser during checkout, and used once to generate your PDF.