📄 Insurance Appeal Letter Generator

A template to help you respond when your insurance denies coverage — so you can explain what happened, why it matters, and ask them to reconsider.

🔍 What this tool is

This tool helps you write a letter to your health insurance company when they’ve denied coverage for something you need — a procedure, medication, test, or visit.

You don’t need to know legal terms or get everything perfect. Just share what happened, why it matters, and how it affects your care. We’ll help shape it into a respectful, clear appeal letter that speaks your truth.

Whether you’re writing for yourself or a loved one, this tool gives you a place to begin — especially when you’re feeling frustrated, exhausted, or unsure how to speak their language.

• 🔒 Private by design
  Everything you write stays on your device. It’s never saved, sent, or tracked.
• 📎 Not legal advice
  This is a writing tool to help you express your experience. It’s not a substitute for legal support or insurance counseling.

🛠️ Ready to begin? Jump to the form

📝 Example output

Professional tone:

August 5, 2025

BlueCross BlueShield
Appeals Department

Re: Appeal for Denial of Coverage – MRI of my lower spine

To Whom It May Concern,

I am writing to formally appeal the denial of coverage for MRI of my lower spine, which was denied on August 1, 2025. This request has been recommended as medically necessary for my treatment by my healthcare provider, Dr. Alex Nguyen.

The stated reason for denial was: "Not medically necessary." I have tried other treatments that did not help. This MRI is the next step recommended by my doctor to determine the cause of ongoing pain and guide appropriate treatment.

I respectfully request a full review of this decision, considering the medical necessity and the supporting documentation provided by my healthcare provider.

Thank you for your time and for reviewing this appeal.

Sincerely,
Jordan Reyes

Gentle tone:

Hi BlueCross BlueShield,

I'm reaching out because my recent request for coverage of an MRI of my lower spine was denied on August 1, 2025. I understand this might be a routine policy, but I wanted to share why this is important for my health.

I've been experiencing ongoing pain, and my doctor, Dr. Alex Nguyen, has recommended this MRI as the next step. I've tried other treatments, but they haven't helped. This MRI could help identify what's going on and guide the right treatment plan.

Thank you for taking the time to reconsider this request.

Sincerely,
Jordan Reyes

📋 Generated Letter

You can copy, print, or share this letter — whatever works best.