Fight back · start with your notice
Your insurance denied something. Here is what to do next.
Start with the denial notice, not a statistic. Find the deadline and the address, gather the documents that support your request, and use the letter tool to organize your appeal. The numbers on this site are background — they do not prove what happened in your case.
Read your denial notice first
Find four things: the reason for the denial, the date it was issued, the deadline to appeal, and where to send the appeal. Keep the notice. You will need it later. If any of these are missing, call the number on your insurance card and ask for them in writing.
Optional: look up your insurer’s public report for context. It will not replace the facts in your notice:
Write and save your appeal
Our tool · no cost · stays on your device
Turn the facts in your notice into a letter you control
Paste the notice text or enter the details yourself. The builder organizes a draft for you to check, save, and send. It does not submit anything to the insurer.
If the insurer denies your appeal, ask whether an independent review is next
If the insurer still says no after its internal appeal, you may be able to ask an organization outside the insurance company to review the decision. This is called an external or independent review. The reviewer examines the case and can uphold or overturn the insurer’s decision. Eligibility and timing depend on your plan, state, and reason for denial; some employer plans require another internal appeal first, and some urgent cases can move faster. Start with the instructions and deadline in your final denial notice, then use the official government links below to confirm where to file.
Why this is free — and what makes it different
The letter tool costs nothing and runs on your device. It does not send your notice to an AI service or our server. It does not submit the appeal, decide whether you will win, or replace advice from your plan, doctor, or lawyer. We do not sell your information or accept insurer funding.