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Letter to Appeal a Medical Claim Denial

When to use Letter to Appeal a Medical Claim Denial

Many Americans are understandably unaware of the fact that insurance companies are required to act in good faith when processing insurance claims submitted by their policyholders. To act in good faith, an insurance provider may not intentionally deny, delay, or shortchange a legitimate claim. In addition, insurance providers are prohibited from misleading policyholders in regards to the terms of their policies or the reasons for a claim denial. If there is any question of whether an insurance claim submitted by a policyholder is legitimate or not, the insurance provider must properly investigate that claim before rejecting it or otherwise treating it in a way not easily anticipated as a result of the policy’s terms. Unfortunately, insurance providers do not always behave in good faith. Additionally, employees of insurance providers can make mistakes, just like employees of every other enterprise do. As a result, policyholders may experience a denial or inadequate payout of a legitimate claim from time to time. Thankfully, it is within the rights of policyholders to appeal claim denials and inadequate payouts.


If a legitimate medical claim has been rejected or inadequately paid out by your insurance provider, you have a right to appeal that treatment. In order to successfully appeal an unfounded denial, you will need to know as much as you can about your provider’s rationale for rejecting the claim. If you were not provided with access to an explanation of benefits, please request one. Once you better understand why your claim was denied, you can submit this appeal letter in order to begin the process of hopefully getting your claim properly covered.

Alternative Names

Appeal of Medical Claim Denial
Appeal of Inadequate Insurance Payout
Medical Claim Appeal Form
Insurance Claim Appeal Form
Claim Denial Appeal Form