Health Insurance Claim Denial Appeal Templates — Attorney-Drafted
Fight back with proven appeal letters designed to overturn denials and get your treatment covered.
Appeal your denial confidently with our attorney-drafted DIY legal letters you can download, customize and use instantly for only $29!
⭐⭐⭐⭐⭐ “Hundreds of appeals drafted”
Over 13 years of insurance law experience
Templates for all major denial codes
Fast download — use today
Don’t start from scratch. Use professional templates built on real-life successful appeals.
👉 Browse Appeal Templates
You’re Not Alone
If you’re here, you or a loved one just received a denial from your health insurance carrier. You’re stressed, frustrated, and unsure what to do next. Insurance companies count on that.
But an appeal is not a begging letter—it is a structured legal argument. When written properly, insurers overturn denials more often than people realize.
“My $4,800 claim was overturned after using the appeal template.” – J.M.
“I went from denied to paid in 21 days.” – R.K.
How Our Templates Work
Each appeal template on AppealTemplates.com is:
Attorney-drafted
Based on real, successful appeals
Written to meet internal + external review standards
Designed to highlight medical necessity, evidence, and plan language violations
These are not generic samples you find online. They are proven frameworks used to win reversals.
Hi, I am Tatiana. I have been an insurance attorney for 13 years and I’m here to show you how to fight health insurance claim denials yourself (without an expensive lawyer).
Templates for Your Specific Denial
Your insurer denied you for a reason.
Our templates address the most common grounds for denial:
Medical Necessity Denials
Your insurer claims the treatment isn’t needed.
Our template shows how to present your diagnosis, treatment history, supporting research, and physician evidence.
Prior Authorization Denials
Denied before you even had treatment.
Use a legal appeal format that challenges carrier criteria and clinician review standards.
Experimental / Investigational Denials
Insurers often misuse “experimental” definitions.
Our template shows how to challenge policy wording, clinical trials, and FDA references.
Out-of-Network Denials
Your care was denied because your provider isn’t “in network.
We show how to argue continuity of care, provider scarcity, specialist access, and urgent circumstances.
Billing / Coding Denials
CPT, ICD, or claim code disputes.
Use structured appeals that force carriers to explain algorithmic denials and policy compliance.
👉 Browse All Templates
What Makes These Templates Different
You’re not getting a letter format.
You’re getting a strategy.
Every template includes:
Clear argument structure
Carrier-proof evidence outline
Legal reasoning to challenge denial
Physician support request
Optional escalation language
Submission instructions
You get the exact format insurers respond to—not a blog sample or scripted message.
Attorney-drafted appeal letter designed to fight your denied health insurance claim. Use this legal template to file an internal appeal if the insurance company refuses to pay your claim because the provider/facility is out-of-network.
There are internal and external appeals. This legal letter is your internal appeal that you will send to the insurance company. There may be different reasons for why a health insurance claim is denied. This attorney-drafted appeal letter is for claims denied because the provider/facility that provided your treatment is out-of-network. Use this attorney-drafted template to file an appeal when your provider was out-of-network. Easy to customize and send.
Attorney-drafted appeal letter designed to fight your denied health insurance claim. Use this legal template to file an appeal if the insurance company refuses to pay your claim because the treatment is not covered by the policy or an exclusion applies. There are internal and external appeals. This attorney-drafted letter is your first internal appeal that you will send to the insurance company. There may be different reasons for why a health insurance claim is denied. This legal appeal letter is for claims denied because the insurance company claims that the treatment/ procedure is not covered by the policy, exceeds the policy limitations or that an exclusion applies.
Editable legal appeal letter to fight a denied health insurance claim because your treatment was excluded by policy. Instant download.
Attorney-drafted appeal letter designed to fight your denied health insurance claim. Use this legal template to file an internal appeal if the insurance company refuses to cover your treatment by claiming that the treatment you have received is not medically necessary. Use this letter only for medical necessity denials. There are several appeal levels. This legal letter is your internal appeal letter that you will send to the insurance company. There may be many reasons for why your claim is denied. This attorney-drafted appeal letter is for claims denied due to medical necessity.
Attorney-drafted, editable letter to appeal your health insurance claim denied for “not medically necessary”. Instant download.
Attorney-drafted appeal letter designed to fight your denied health insurance claim. Use this legal template to file an internal appeal if the insurance company refuses to pay your claim because it claims the treatment is experimental or investigational. There are internal and external appeals. This legal letter is your internal appeal that you will send to the insurance company. There may be different reasons for why a health insurance claim is denied. This attorney-drafted appeal letter is for claims denied because the insurance company says that the denied service/treatment is experimental or investigational.
Use this attorney-drafted template to appeal when your insurer says treatment was “experimental” or “investigational”. Fill-in-the-blank & submit.
Attorney-drafted appeal letter designed to fight your denied health insurance claim. Use this legal template to file an internal appeal if the insurance company refuses to pay your claim due to lack of prior authorization. There are internal and external appeals. This attorney-drafted letter is your internal appeal that you will send to the insurance company. There may be different reasons for why a health insurance claim is denied. This legal appeal letter is for claims denied due to lack of prior authorization.
Download our editable legal appeal letter to challenge a health insurance denial due to missing prior authorization. Start your appeal confidently. Instant Download.
Why Many Appeals Fail
Most people unknowingly make these mistakes:
Writing emotionally instead of medically
Asking for sympathy instead of citing evidence
Submitting doctor notes without context
Ignoring plan exclusions and clinical policy
Missing core regulatory rights
Insurers deny thousands of valid claims because the appeal isn’t presented correctly.
Our templates solve that.
You Don’t Get Unlimited Chances
Health insurance appeals are time-sensitive.
The first appeal becomes part of your permanent claim record.
Anything missing in your first appeal cannot be added later in external review.
That’s why starting strong matters.
Who Uses Our Templates
Patients fighting treatment denials
Parents appealing care for children
Caregivers managing claims
Chronic illness patients
Doctors, clinics, and billing staff
You don’t need a law degree.
You need the right structure and language that insurers cannot ignore.
Real Results, Not Empty Promises
Our templates are drafted from the same structure used by real attorneys in real cases.
We don’t guarantee outcomes—every case is unique—but we give you the strongest possible starting point.
You deserve access to medically necessary treatment. Insurance companies expect you to give up.
You don’t have to.
👉 Use a professional appeal template and fight back.
Prior to founding Appeal Templates, I spent more than 12 years as an attorney fighting one thing: insurance claim denials.
I’ve seen every excuse, every loophole, every tactic used to avoid paying people what they’re owed. But nothing prepared me for what happened when my own mother was diagnosed with cancer.
Suddenly, I wasn’t just an attorney — I was a daughter sitting at the kitchen table surrounded by medical bills, policy documents, and denial letters that made no sense.
And I realized something terrifying: If this was hard for me, an insurance attorney who did this for a living, what chance does the average person have? That moment changed everything.
Founder Story - Why I Started Appeal Templates
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Description text goes hereI started researching how deep this problem really goes — and what I found shocked me.
Every year, hundreds of millions of health insurance claims are denied, and only a small fraction of people ever fight back. Not because they’re wrong — but because the system is built to confuse them, exhaust them, and make them feel powerless.
So I made a decision that didn’t make sense on paper — but made sense in my heart.
I stopped practicing law to build something that could help people fight back — affordably, simply, and with dignity.
That’s how AppealTemplates.com was born.
I spent months mapping out how insurance denials work — state by state — identifying the governing bodies, escalation pathways, and laws that protect consumers.
I started creating letter templates and appeal kits that any person could use, without needing to hire a fancy expensive lawyer or understand legal jargon.
Each letter was built with care — the same precision I used for my own clients — but made accessible for everyone.
Because this isn’t about being clever or techy.
It’s about being angry enough to do something.
Angry that real people are getting crushed by systems that profit off their pain.
Angry that most attorneys won’t touch these cases because there’s no big payday at the end.
And angry that families — like mine — are left to navigate a maze that should never have existed in the first place.
Unlike attorneys who charge exorbitant hourly fees or take a third of your claim I offer affordable pre-built appeal letters that real people can use to fight for what’s right.
I also publish free resources, blogs, and videos to help you understand your rights and take action with confidence.
I’m not giving legal advice anymore — I’m giving people something more important: a fighting chance.
My name is Tatiana.
I came to this country from Belarus, put myself through college and law school, built my own law firm from nothing, and now — I’m fighting for something bigger than any single case.
If you’ve ever opened a denial letter and felt that wave of helplessness — I built this for you.
You don’t need to be a lawyer to fight back.
You just need the right tools.
And that’s exactly what AppealTemplates.com exists to give you.
Because when the system is built to deny you — we’re here to help you fight back.
Join our community!
Sign up for my weekly emails where I answer your questions about denied insurance claims. Can’t wait to hear from you!