1
Select Scenario
2
Enter Details
3
Get Your Letter
Select your denial scenario (click to choose):
Scenario:
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Your appeal letter is ready!
Review the letter below, then copy or print it. Send via certified mail or your insurer's appeal portal.
Next Steps After Sending:
- Send via certified mail and keep the tracking number
- Note your appeal deadline: Calculate it here
- If your internal appeal is denied, check external review eligibility
- Insurers must respond to internal appeals within 30-60 days (15 days for urgent care)
- Contact your State Insurance Commissioner if the insurer violates the timeline