Insurance Appeal Letter
Use this template to appeal a denied insurance claim. Customize with your claim number, dates, and supporting details.
When to use this letter
Send this when an insurer has denied a claim you believe was medically necessary or otherwise valid. A written appeal creates a paper trail and formally requests a review, which is often required before you can escalate to a state insurance regulator.
What to gather
Policy number, denial letter, medical records or bills, doctor notes, and any prior authorization or referral. Having dates and provider names ready makes the appeal stronger.
Sample opening
"I am writing to formally appeal the denial of my claim (Claim/Policy # [NUMBER]). I believe this denial was made in error and request a full review."
We fill in the rest, including your treatment details, supporting evidence, and a clear request for reconsideration, then print and mail it for free.