Medical appeal letter 2023 (guide + free sample)


This post covers everything you need to know about medical appeal letter

Paying for the medical costs that your insurance company should cover is painful.

However, your health insurance provider may deny your medical claim, making it difficult for you to settle your medical bills.

If your health insurance company refuses to pay for a medical claim, you do not have to accept their decision.

They may have erred, misinterpreted your plan or the nature of your treatment, or denied your claim in bad faith or for improper purposes.

You have the right to appeal the decision and defend your eligibility for necessary medical care.

Writing a strong medical appeal letter to your insurance provider is one of the first steps in contesting a medical claim denial.

I have a comprehensive guide that teaches how you can appeal against your insurance company and win. If you are interested you can read it here (recommended if you want to increase the chance of winning your medical appeal)

In this post I will only cover the following;

  • What is a medical appeal letter?
  • How to write a medical appeal letter
  • Medical appeal letter sample
  • Medical appeal letter pdf

What is a medical appeal letter

A medical appeal letter is a brief statement of facts written by a patient or his medical provider (upon the patient’s request) to request the insurance provider reconsider its decision to deny the patient’s medical claim.

A medical appeal letter can help you figure out why your claim wasn’t approved and challenge that decision.

You need a medical appeal letter when

  • Your medical claim was denied and you want to contest it
  • You’re requesting a written statement from your doctor in order to contest a claim.
  • You simply want a more detailed explanation for the denial.
  • etc.

How to write a medical appeal letter

A medical appeal letter is written in business letter format. Begin your letter with your address and contact information, followed by a date and the insurer’s address, salute the recipient, and begin your letter by indicating that you are writing to appeal against the medical claim denial and provide the grounds for appeal. Sign off with “Sincerely,” followed by your signature and name.

The following are some common reasons that you may include in your medical appeal letter as your grounds of appeal:

  • That the treatment received was medically necessary
  • That the insurer misunderstood your policy
  • That the treatment received was recommended by a medical provider
  • That the insurer’s justification is unlawful
  • etc.

A well-written, fact-based medical appeal letter is vital to your chances of success.

But, before you start writing, be sure you know

  • The deadlines for filing an appeal.
  • The department or person to whom you must address your letter.
  • Specific information the insurer needs from you in order to reverse the original decision.

REMEMBER the primary goal of your medical appeal letter is to appeal against a claim denial.

So, in order to write an effective medical appeal letter, do the following;

  • Include your name and contact information
  • Include the date of the letter
  • Include the name, position, and address of the recipient
  • Include the Policy number
  • Include the claim number,
  • State the insurer’s justification for the denial
  • Describe why the insurer’s justification is incorrect (reasons for appeal)
  • Attach all necessary documentation including the Medical bills.
  • Provide a clear statement of what you are hoping to achieve with the appeal.
  • Be simple and straightforward
  • Maintain a professional tone
  • Be honest

after writing your letter

  • Proofread
  • print out two copies:
    • Send one copy via certified mail or any appropriate means
    • Save the second copy for your records and make a note of when you mailed it and when the insurance company received it.

Medical appeal letter sample

The following is a sample of a medical apple letter to an insurance company for medical necessity

Your Name
Your Address
City, State, Zip Code

if you are a medical provider start with your organization’s Letterhead


Recipient Name
Insurer Company Name
Street address
City, State Zip Code

Re: [Patient name]

DOB: [Insert Patient’s Date of Birth]
Policy Number: [Insert Patient Policy Number]
Claim Number: [Insert Patient Claim Number]

Dear Mr./Mrs./Ms. [Recipent’s last name]

I’m writing this letter to appeal against your decision to deny my $6,740 claim for an appendix operation. Based on your letter of denial dated [date], coverage was denied because [reason for denial].

I believe that your decision is improper because the treatment received was recommended by Doctor, Dr. King Lion as outlined below

  • [Your diagnosis, date of diagnosis, condition, and history]
  • [Previous therapies used for treating the symptoms associated with the condition]
  • [Your response to these therapies]
  • [Brief description of your recent symptoms and conditions]
  • [Summary of Dr. Lion’s professional opinion of your prognosis and why the operation is medically necessary for you]

Enclosed with this letter is Dr. lion’s Letter of medical necessity.

Based on the foregoing, I humbly request that you reconsider your decision and approve my claim.

Please let me know if you need any more information from me or my medical provider to review my claim.


[Your Signature]
[Your name]

Medical appeal letter pdf

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Isack Kimaro
Isack Kimaro

Holder of Bachelor of Laws (LL.B) and Post Graduate Diploma in Legal Practice. I am dedicated to providing valuable and easy-to-understand legal information for individuals at all levels of understanding. Whether you are a layperson looking to increase your knowledge, a law student striving to excel in your studies, or a practicing lawyer wanting to expand your expertise, I am here to help. I'm not creating content, I'm creating awareness to empower you to take control of your legal understanding and achieve your goals.