For U.S. health-insurance denials
Denvow · intake

Five short inputs. One formal appeal letter.

The intake below is the product. The state statute (or ERISA procedure, or ACA marketplace framing) and the medical-necessity / coding argument that match your denial reason are picked from your five answers — and the letter branches on whether you’re at the first stage (internal appeal to the insurer) or the second stage (external review at the IRO or state external-review office). The preview on the right renders the letter a utilization-management nurse can act on.

Already appealed twice on the same treatment?

See the repeat-denial letter framing — ERISA § 503 procedure or ACA § 147.136 external review, whichever your plan is on.

Intake · 5 questions

Tell us about the denial.
Insurer, plan type, denial reason from the EOB, state, and which appeal stage you are at. The five short inputs pick the playbook and seed the cited authority.

You haven't appealed (or the insurer just denied it). The letter goes to the carrier's Member Appeals Unit / Plan Administrator.

Email the PDF

Pay once ($19). We email the appeal letter PDF + a re-download link.

Draft the letter first so we know what to email.

Save your letters

Sign up free to keep your draft.
We’ll save this intake + your current draft under your account. Open the dashboard on any device to re-download, redraft, or send another appeal.
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Live preview

Letterhead · dated · cited

Live preview

Submit the five short inputs on the left to draft a formal appeal letter. The citation, recipient framing, addressee, and the medical-necessity / coding argument will load here as a single, dated document. Pick "Second-stage external (IRO) review" in the intake to draft a request for external review instead of an internal appeal.