Insurance appeal guides
Plain-English guides with free sample paragraphs. Educational only, not legal advice.
By insurer
- 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
- Appeal a Kaiser Referral or Authorization Denial
- 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)
Prescription drugs
- Appeal a Denied GLP-1 / Weight-Loss Drug Coverage
- 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
Procedures & services
- 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
- Appeal a Denied Surgery After Second Opinion
- 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
Appeal process
- ACA Internal Appeal Deadlines Explained
- ACA External Review: How It Works
- Medicare Advantage Organization Determination Appeals
- 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)
- 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