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

Letter type

Type of plan (changes one paragraph)

2. Your details

3. Edit, then copy or print

Text in [square brackets] needs your words. Edit directly in the box. Review every line, remove anything that does not apply, and sign it yourself before you send.

These are drafting aids, not legal documents, and we cannot promise they fit your plan or your state. 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.

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 2026-10-17
HealthCare.gov: Internal appeals, last verified 2026-10-17
HealthCare.gov: External review, last verified 2026-10-17
North Carolina DOI: Medical Appeals Tool Kit, last verified 2026-10-17
NAIC: How to Appeal Denied Claims (PDF), last verified 2026-10-17

Page last reviewed October 17, 2026. Rules change; confirm with your notice, plan documents or the agency pages above.