Insurance Appeal Templates
Denied a claim? These ready-to-use letter templates help you push back on insurance decisions with confidence — free to copy or download.
What is an insurance appeal?
When your health insurance denies a claim or prior authorization request, you have the legal right to appeal that decision. An appeal is a formal written request asking the insurer to reconsider.
Most insurers allow two levels of internal appeals before you can request an external review by an independent organization. You typically have 180 days from the denial notice to file a Level 1 internal appeal.
How to use these templates: Choose the template that best matches your situation, click “Copy to Clipboard” or “Download .txt,” then replace every [PLACEHOLDER] field with your actual information. Attach your doctor's letter of medical necessity and any supporting documentation before sending.
Step 1
Choose your template
Select the scenario that matches your denial
Step 2
Fill in your details
Replace every [PLACEHOLDER] with real information
Step 3
Attach documentation
Include your doctor's medical necessity letter