How to appeal a health insurance denial
Step-by-step internal appeal prep for commercial plans — then you file.
Commercial and Marketplace denials
Pre-check first. Then a draft pack you send yourself.
For commercial and Marketplace plan denials. If a draft isn’t the right next step—or your plan is Medicare or Medicaid—we say so before you go further. No payment page after a stop.
- DenialAppeal is a document-preparation tool for commercial health insurance denial appeals; it is not a law firm and does not file appeals for you.
- Draft Pack includes a draft appeal letter, an evidence checklist, and filing guidance. Pricing: $34 Draft Pack; $79 for three credits for the same person.
- A free pre-check may stop the paid Draft Pack path when this tool’s product screening rules do not offer a pack; Medicare and Medicaid users get a public consumer resource card with .gov links instead of a Draft Pack.
Three places to start
What’s in the Draft Pack
Letter draft, evidence checklist, filing guide — $34 / $79×3 same person.
Medical necessity appeals
Structure a medical-necessity denial appeal packet (draft only).
How it works
Pre-check, then the details from your notice, then a download you send yourself. Payment is not a step. If the plan is Medicare or Medicaid, the pre-check shows official public resources instead of a draft.
Pre-check
Free pre-check
Tell us the plan type and a few facts from the denial notice. If we should stop, we stop here.
Details
Denial details
Add what the notice says, then read the full notice before a draft is created.
Download
Download and send
Review the letter, evidence checklist, and filing guide. You file it. We don’t.
Three ways this stays practical
Document preparation only. You decide what gets sent, and whether to send it.
Pre-check first
Start with a free pre-check. If a draft isn’t the right next step, we say so before you go further. The next screen is not a payment page.
Full pack
A letter draft, an evidence checklist, and a filing guide in one download. You review the pack and send it yourself.
Commercial only
Employer, fully insured, and Marketplace denials can continue. Medicare and Medicaid show official public resources instead of a Draft Pack.
Sample draft structure
A staged outline of the pack. Your draft uses your answers. Results vary. Not legal advice.
Illustrative structure
DRAFT FOR YOUR REVIEW
Re: Appeal of Adverse Benefit Determination — Claim #[PLACEHOLDER]
Denial type (example): Medical necessity
Dear Appeals Department,
I am writing to appeal the denial of coverage for [service]. The paragraphs below come from the facts I enter.
1. Facts from my denial notice. [User-supplied]
2. Supporting materials I can gather. [Checklist]
3. How I will send this. [Filing guide — you mail or upload it yourself]
Please verify this against your denial letter and plan documents before you send anything.
Pricing
Pre-check is free. Draft Pack checkout is a sandbox and does not place a live card charge.
Free pre-check
$0
Includes
- A few questions before any draft
- A clear stop when we can’t continue
- Official resource links for Medicare and Medicaid
Does not include
- A letter, checklist, or filing guide
- Checkout
- A way to skip a stop
Sandbox
Draft Pack
$34
Includes
- A letter draft, evidence checklist, and filing guide
- The full notice before a draft is created
- No copy kept on our servers — download yours
Does not include
- Filing for you
- Review by an attorney
- A promised result
- A saved archive
Sandbox / test Checkout only — not Live.
Sandbox
×3 Credits
$79same person only
Includes
- Three Draft Packs for the same person
Does not include
- Shared accounts
- Filing for others
- Case management
Sandbox / test Checkout only — not Live. Same person only.
Sandbox checkout does not place a live card charge. Questions: support@denialappeal.com.
Customer stories
No customer stories yet. DenialAppeal is in preview — we won’t invent reviews.
What this is / is not
Clear scope so you know what you are looking at — and what you are not.
What this is
- A draft appeal letter you review
- An evidence checklist
- A self-serve filing guide
- A document-preparation pack you download and send yourself
- A commercial or Marketplace draft — employer or fully insured plans included
What this is not
- Not a law firm or attorney
- Not a filing service — we do not file for you
- Not legal advice
- Not a promise about what the plan will decide
- Not a Medicare or Medicaid draft (the pre-check shows official public resources instead)
FAQ
Do you guarantee a result?
No. Nothing here promises what a plan will decide. Many appeals are denied. A draft is not a prediction, and we do not file it for you.
Do you file my appeal?
No. Download and send it yourself. We do not file, negotiate, or appear on your behalf.
What about Medicare or Medicaid?
Choose Medicare or Medicaid on the first pre-check step and we’ll show a card of official public resources for that program. We don’t prepare a Draft Pack for those plans. If the denial is from a commercial or Marketplace plan, choose that instead and continue.
Can I pay now?
Draft Pack is $34 and ×3 Credits are $79 for the same person. Checkout on this site is a sandbox and does not place a live card charge.
What denial types can I draft?
Medical necessity, prior authorization, and out-of-network — for commercial and Marketplace plans.
What if the pre-check says we can’t continue?
You’ll see a short explanation and a way home. A draft and a purchase are not offered on that screen. If we suggest you pause, you’ll confirm once more before the draft questions.
Is this legal advice?
No. DenialAppeal is not a law firm and does not give legal advice. Have a licensed attorney review anything you rely on.
Do you keep my draft?
By default, no. A draft is not saved on our servers. Download a copy if you want to keep it. You review it before you send it yourself.