Insurers deny claims every day — and count on you giving up. Upload your denial letter, and within minutes you'll have an AI-drafted, professional appeal letter in your inbox, ready to file. $49. One time. No subscription.
Re: Claim XXXXXX — Insurer name
Dear Appeals Department,
I am writing to formally appeal the denial of coverage dated MM/DD/YYYY. The denial states the service was "not medically necessary" — yet the treating physician documented…
Per Plan Section X.X, this determination misapplies your own medical-necessity criteria. Enclosed: physician letter, clinical notes, and…
I respectfully request a full reconsideration.
It's not an accident. The process is confusing by design — and the letter is where most people get stuck.
Denial letters arrive in jargon, deadlines are buried in fine print, and the appeal address is hard to find. Most people read the denial and quietly give up. That's the business model.
A strong appeal cites the right policy language, answers the exact denial reason, and attaches the right evidence. A vague angry paragraph gets ignored. We draft the first kind.
Appeal windows are often 30–180 days, and every week you wait is leverage you lose. A finished, ready-to-send letter in minutes means you file while it counts.
Photograph or upload your denial letter and answer a few quick questions below. Takes about five minutes.
One-time payment on a secure checkout page. No subscription, no upsells, no surprise fees.
Once payment confirms, our AI drafts a personalized appeal letter from your details and emails it to you as a ready-to-send PDF — usually within minutes. If your letter doesn't arrive within 24 hours, it's free.
A complete sample letter — formal, specific, and written to be answered. Every [NEEDS: …] mark is filled from the customer's own denial letter and documents. Nothing is a template.
[NEEDS: Your full name]
[NEEDS: Your street address]
[NEEDS: City, State ZIP]
[NEEDS: Your phone] · [NEEDS: Your email]
[NEEDS: Date]
Appeals Department
[NEEDS: Insurance company name]
[NEEDS: Appeals mailing address from the denial letter]
Re: Formal appeal — denial of claim [NEEDS: Claim number]
Member: [NEEDS: Your name] · Member ID: [NEEDS: Member ID]
Date of service: [NEEDS: Date of service] · Denial date: [NEEDS: Denial date]
Dear Appeals Department:
I am writing to formally appeal your denial of coverage for [NEEDS: Treatment or procedure name], provided on [NEEDS: Date of service] by [NEEDS: Provider or facility name]. Your letter dated [NEEDS: Denial date] states the service was denied as "[NEEDS: Verbatim denial reason from the denial letter]" under [NEEDS: Plan provision cited in the denial].
The facts. On [NEEDS: Date], [NEEDS: Treating physician name and credentials] [NEEDS: ordered / performed] [NEEDS: Treatment] for [NEEDS: Diagnosis or condition]. [NEEDS: 1–2 sentences of clinical context from the medical record].
Why the denial is wrong. First, the service was medically necessary. [NEEDS: Physician last name] documented [NEEDS: Clinical findings supporting necessity] and [NEEDS: submitted / attached] [NEEDS: Supporting records] prior to the service date. Your own medical-necessity criteria require [NEEDS: Relevant plan criterion] — a standard this case meets.
Second, the denial misapplies your plan language. [NEEDS: Plan provision cited] addresses [NEEDS: What the provision actually covers]; it does not exclude [NEEDS: Treatment] when [NEEDS: Applicable clinical circumstance]. The denial letter quotes the provision but never explains how it applies to these facts.
What I am asking. I respectfully request that you overturn the denial and process this claim for payment under [NEEDS: Plan name and number]. If you uphold the denial, please provide the specific clinical rationale and inform me of my right to external review, including the deadline and where to file.
Enclosed: (1) copy of the denial letter; (2) letter of medical necessity from [NEEDS: Physician name]; (3) relevant clinical notes; (4) applicable plan provisions.
Thank you for your reconsideration. I can be reached at [NEEDS: Phone] or [NEEDS: Email].
Sincerely,
[NEEDS: Your signature / printed name]
Illustrative sample — your letter is drafted from scratch for your specific denial.
Cheaper than an hour of anyone's time — for a letter that could be worth thousands.
Not for everyone: if your case needs a lawyer or a Medicare appeal instead of a letter, we'll tell you that before you pay.
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I built AppealAid because the appeal process is designed to wear you down — jargon-filled letters, buried deadlines, and a formal letter most people don't know how to write. So most people give up, and the denial stands.
I wanted an honest, fast way to fight back: upload your denial, get a professional appeal letter in minutes, for $49. No law firm, no hourly fees, no subscription. And if your case needs a lawyer instead of a letter, I'll tell you that before you pay.
Fill out this form (about 5 minutes), then complete your one-time $49 payment on the secure checkout page. Your letter arrives by email within minutes of payment.
No. AppealAid is not a law firm and does not provide legal advice. We're specialists in writing clear, well-structured insurance appeal letters from the information you provide. If your situation needs a lawyer, we'll tell you that honestly instead of taking your $49.
Our AI drafts it instantly from the details and denial letter you provide, then emails it to you as a ready-to-send PDF. Always review it — and fill in anything marked [NEEDS: ...] — before sending it to your insurer.
No — and you should run from anyone who promises that. What we guarantee: a polished, personalized appeal letter delivered within minutes of your submission, or your money back.
Your denial letter (upload a phone photo or scan right in the form), your insurer's name, and about five minutes answering the questions above. The more detail you give us, the stronger the letter.
Maybe not. Appeal windows are commonly 30–180 days depending on your plan and state. Tell us your denial date and we'll give you an honest read on whether an appeal is still worth filing.
Yes. Your details are used only to write your letter — we never sell, share, or publish your personal or medical information. Uploaded files are stored encrypted, visible only to us, and automatically deleted after 30 days.
It happens — and the fight often isn't over. Many plans offer a second-level appeal or external review. Your letter includes guidance on next steps, and your one free revision covers insurer follow-ups. Request your revision here →