How to Write an Insurance Appeal Letter the Right Way

Insurance appeal letter template

Sometimes it seems like all an insurance company is good for insuring is the denial of claims. The truth of the matter is, it is just more profitable for them to find any reason to deny a surgery or health procedure. If the condition is not immediately life threatening, there is a good chance the care it requires will be denied.

Luckily, we do not have to sit back and take it. Learning how to write an insurance appeal letter can turn the tables in your favor if you have been denied for the coverage of a service that you feel like you really need. Online, you will not have a difficult time finding an insurance appeal letter template for formatting issues, but I will outline the basics of how to write an insurance appeal letter, to help you begin the brainstorming process.

When it comes to learning how to write an insurance appeal letter, the first thing to keep in mind is professionalism. The goal is to make a convincing argument for why you need the coverage in question. Do plenty of research into the specific policies of your insurance company, and be sure to cite the claim letter denial in your intro.

If you can throw their own policies back at them as evidence as to why your insurance company should provide coverage, you are much more likely to receive an appeal. When teaching my students how to write an insurance appeal letter, I often instruct them to take on the mindset of a lawyer.

Pretend you are standing before a jury of insurance agents. Make your argument, make it strong, cite all relevant evidence and documents, and give them no reason to deny you twice. Make a few different drafts. Learning how to write an insurance appeal letter effectively takes practice. If the medical bills tied to the procedure you are appealing, you may actually want to consider hiring a lawyer to compose the letter for you.

Learning how to write an insurance appeal letter could be the difference between life and death. Good luck on your appeal, and let me know if you have any questions!

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