July 29, 2026 [recipient name] [recipient address] Re: Formal Appeal of Claim #[claim number] — Amount in Dispute: $[amount disputed] Dear Appeals Department: I am writing to formally appeal your denial of the above-referenced claim. The stated reason for denial — "[denial reason]" — is inconsistent with my policy and the medical record. Facts: [facts] Requested resolution: [desired outcome] Please treat this letter as a formal first-level appeal under my plan's appeal procedures and applicable state and federal law (including ERISA where applicable). I request a written determination within the statutory timeframe. Sincerely, [user full name] [user address]
Health
Medical Bill Appeal
Fight a denied health insurance claim or surprise bill.
Answer a few plain-English questions and we'll generate a professional letter addressed to your insurance company — citing the right rules, in the right tone, ready to send. No account needed to start.
- Triggers ERISA / state appeal deadlines
- Forces a written determination on the record
STEP 1
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A short guided form — about 3 minutes.
STEP 2
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STEP 3
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Health
Medical Bill Appeal
Question 1 of 911%
The person, company, or agency this letter is addressed to.
✓ Triggers ERISA / state appeal deadlines
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Frequently asked
- Does this replace a formal insurance appeal?
- It is the formal appeal. The letter is structured to meet most insurer and hospital appeal requirements, including the basis for your dispute.
- Do I need an account to start?
- No. You can fill out the form and generate a draft for free. You only pay when you want to unlock and download the final letter.
- How much does it cost?
- One-time unlock is a flat $4.99 per letter — any dispute type. Subscription plans are also available if you expect to send several letters.
- Will this letter actually work?
- A well-written, specific letter — citing the right rules and a clear desired outcome — dramatically increases your odds. We can't guarantee any particular result, but a real letter beats silence every time.