Your insurance company denied your claim. Now what?

Most people don't fight back — not because they gave up, but because they don't know what to say or how to say it. These 5 professionally written appeal letter templates fix that.

Each template is drafted using language that insurance companies are legally required to take seriously. You just fill in the bracketed fields and send.

What's included:

✔ Template 1 — Medical Necessity Denial

✔ Template 2 — Out-of-Network Denial

✔ Template 3 — Prior Authorization Denial

✔ Template 4 — Experimental / Investigational Treatment Denial

✔ Template 5 — Mental Health & Substance Use Disorder Denial

Every template cites the federal laws that protect you — including the ACA, ERISA, MHPAEA, and the No Surprises Act — so your appeal carries real legal weight from the first line.

Also included: a step-by-step guide on how to send your appeal the right way, a pre-send checklist, and a breakdown of what happens after you submit.

No legal experience needed. No guesswork. Just fill in the blanks and fight back.

For personal use only. Not a substitute for legal advice.