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.
You have nothing to lose but $4.99, and everything to gain.
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- We don't train AI on it
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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
Get a free analysis
See the likely denial category, your internal appeal and external review options, and grounds to argue.
- Step 3
Download your letter
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.
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.
- Can you promise my appeal will win?
- No. No one can promise an appeal outcome. Always review the letter and confirm deadlines on your denial notice.
- What happens to my pasted denial text?
- It's sent to our AI provider only to write your analysis and letter. Paid orders are stored encrypted with Stripe, our payment processor, not on our own servers. We never sell it or use it for ads. Please don't include your SSN.