For "not medically necessary" denials
Your insurer said no.
Here's how to ask them to look again.
A complete appeal kit with fill-in-the-blank letters for the most common denials, the requests that make an appeal stronger, and a step-by-step checklist. Type your details once and every letter fills in.
Instant access. One-time payment. Works for employer, Marketplace, and individual plans, plus Medicare and Medicaid.
You have the right to appeal
Most people never appeal a denied claim. But you can ask your insurer to review its decision, and if it still says no, you can usually ask for an independent external review by reviewers who don't work for your insurer.
The hard part is knowing what to write and what to ask for. This kit lays it out, so you can focus on your own facts.
What's in the kit
Appeal letters
- General medical necessity appeal
- Imaging or test denied (MRI, CT, PET, sleep study)
- Prescription drug denied, including step therapy
- Therapy visits denied or cut off
- Surgery or procedure denied
- Hospital, rehab, or nursing facility stay
- Medical equipment or supplies
Requests and tools
- Letter asking your doctor for a Letter of Medical Necessity
- Claim file and criteria request
- Urgent (expedited) appeal request
- External review request
- Appeal checklist and tracking log
- Plain-language "how to use this kit" guide
Every letter comes with tips on what makes that type of appeal stronger. Copy, download, or print any letter.
Free sample: claim file and criteria request
Send this one right after your denial, so you know exactly which criteria the insurer used. It's free to use.
Get the kit
$24
One-time payment. Instant, lifetime access. All 14 templates and tools.
Secure checkout by Stripe. If the kit doesn't work for you within 14 days, email us for a full refund.
How it works
- Pay securely and open your kit right away.
- Type your details once (name, member ID, claim number). They fill into every letter, and they never leave your browser.
- Pick the letter for your denial, replace the [brackets] with your facts, and send it.
Free appeal deadline checker
Questions
Is this legal advice?
No. The kit contains general templates and information, not advice about your situation. You decide what to write and send. If your case involves a lot of money or a lawsuit, talk to a lawyer or a free patient advocate.
Were these written by AI?
The templates were written with the help of AI and organized around how strong appeals are usually structured. They are general templates, not written for any one person. You add your own facts.
Do I still need my doctor?
A letter from your doctor is often the strongest part of an appeal. The kit includes a ready-to-send request that tells your doctor exactly what to include.
What happens to my information?
The details you type into the kit stay in your browser tab and are never sent to us. We only receive your payment confirmation from Stripe. See our privacy policy.
What kinds of denials does this work for?
Denials that say a test, procedure, drug, therapy, equipment, or facility stay was "not medically necessary," including many prior authorization denials. It isn't built for billing errors or coding disputes.
Is there free help?
Yes. Many states have a Consumer Assistance Program that helps with insurance appeals for free. For Medicare, contact your State Health Insurance Assistance Program (SHIP). We'd rather you appeal with free help than not appeal at all.