Appeal letter generator
Fill in what you know and get a formatted internal appeal letter, ready to print or paste into your insurer's portal. Nothing you type leaves your browser.
How to file it
- Fastest: most insurers take appeals through their member portal or a listed appeals fax number on the denial letter. Paste the letter text there.
- By mail: the denial letter lists the appeals address. Send copies, never originals, and keep a copy of everything you send.
- Add evidence: a short note from your doctor ("medically necessary for X, documented on DATE") roughly doubles the weight of a medical-necessity appeal.
- Denied again? Marketplace plans can move to external review: an independent reviewer who was not paid by the insurer re-decides the claim. See our appeal outcome data for why that step is worth it.
Why this letter is shaped this way
Insurers reverse denials at different rates, but the letters that work share a structure: they identify the claim precisely, they ask the plan to produce the specific evidence its denial relied on (the plan documents it is required to provide on request), and they rebut the stated reason with one concrete fact. Missing-documentary-basis denials are the most reversible class in CMS data. Check your insurer's appeal-overturn rate before you assume the fight is not worth it.
Frequently asked
How long do I have to appeal a health insurance denial?
Under the Affordable Care Act you have at least 180 days from the date of the denial letter to file an internal appeal with your insurer. If that appeal fails and your plan is a marketplace plan, you can request independent external review within 4 months of the final internal denial.
What should an appeal letter say?
A strong appeal letter names the claim (number, date of service, provider), states the denial reason exactly as written, rebuts that reason with one concrete documented fact, and asks the plan to produce the specific evidence its denial relied on. The generator above builds that letter for you.
Do insurance appeals actually work?
Yes often enough to matter: CMS data shows roughly a third of internal appeals succeed, and external review overturns denials even more often, yet fewer than 0.2% of denied claims are ever appealed.
Is my information sent anywhere?
No. The letter is built entirely in your browser. This site uploads nothing and has no accounts.