Insurance Denial Appeal Builder
Check your deadlines and generate a personalized insurance appeal letter in a few minutes. Choose your denial type, fill in your details, and get a letter built for your specific situation.
Most insurance plans give you between 30 and 180 days from the denial date to file an internal appeal. Missing the deadline can forfeit your right to challenge the decision. Use the deadline calculator below before you start writing — and treat the results as a planning estimate, not a substitute for the exact deadline stated on your denial letter or plan documents.
Appeal Deadline Calculator
Enter your denial date and plan type to see estimated deadlines. Always confirm the exact number of days against your denial letter — plans vary, and this uses common defaults by plan type.
⏰ Your Appeal Deadlines
Enter the date on your denial letter and your insurance plan type.
Choose Your Denial Type and Build Your Letter
Select the reason your claim was denied, then choose your appeal type. Review every line before sending — the letter states things from your perspective and asks the insurer to confirm applicability; it doesn't assert legal conclusions on your behalf.
What reason did your insurer give for the denial?
Generate Your Appeal Letter
Fill in your details below. The more specific you are — especially about the denial reason and your doctor's support — the stronger your appeal will be.
What to Include With Your Appeal Letter
The letter alone is not enough. What you include with it determines whether your appeal succeeds.
Letter of Medical Necessity from your doctor
This is the single most powerful document in any appeal. Ask your doctor to write a detailed letter explaining why the treatment is medically necessary specifically for your condition, what alternatives were considered and why they failed or are inadequate, and what the consequences of not receiving the treatment would be.
Copy of the original denial letter
Always include a copy of the denial letter you are appealing so the reviewer can immediately identify the claim, the denial reason, and the clinical criteria that were applied.
Relevant medical records and clinical notes
Include the sections of your medical records that directly support the necessity of the denied treatment. Do not send your entire medical file — only what is directly relevant to this denial.
Clinical guidelines or peer-reviewed research (if applicable)
For denials based on "experimental" or "not medically necessary" grounds, ask your doctor whether there are relevant clinical guidelines that support your treatment.
Request the clinical criteria used to deny your claim
You are generally entitled to the specific clinical criteria and policy provisions your insurer used. Once you have them, your doctor can address each point directly.