Appeal letter builder (runs in your browser)
Fill in the boxes and your letter appears next to (or below) them. Everything stays in this browser tab. We do not send, save or log what you type, and there is no account.
Privacy tip: keep health details short. Put clinical detail in your doctor's letter and records, and send only what the insurer needs. Closing this tab erases everything; use "Download" or "Copy" first.
1. Pick a letter
2. Your details
3. Edit, then copy or print
Templates and examples to adapt, not legal or medical advice. These letters are drafting aids, not legal documents, and we cannot promise they fit your plan or your state or lead to any result. Check your denial notice for the required steps and address. Where a letter cites a rule, it is a general reference; delete it if it does not apply to you. Include only statements that are true for you, and let your doctor decide what a medical letter says. If you are unsure, ask a licensed attorney, your state insurance department or a patient advocate. Full disclaimer.
Next steps
- Estimate your deadline before you mail anything.
- Find your state insurance department if the insurer does not fix it.
- First-steps checklist
Sources
- U.S. Department of Labor (EBSA): Filing a Claim for Your Health or Disability Benefits, last verified 2026-10-20
- HealthCare.gov: Internal appeals, last verified 2026-10-20
- HealthCare.gov: External review, last verified 2026-10-20
- North Carolina DOI: Medical Appeals Tool Kit, last verified 2026-10-20
- NAIC: How to Appeal Denied Claims (PDF), not re-verified 2026-10-18 (automated check not permitted or not completed)
Page last reviewed October 20, 2026. Rules change; confirm with your notice, plan documents or the agency pages above.