You’re not alone with this letter
My insurance claim was denied — what should I do?
A denied claim is not always the end of the story. First understand the denial reason, which service it applies to, and whether the letter asks you for information or action by a deadline. Upload the denial or EOB for a plain-English read and a calm response checklist.
Want a pack written for your letter — plain English, next steps, and calm scripts — not only a general guide? Upload a photo below. Free preview; full pack $8.
Upload your letterUpload your letter
We read what you send and build an understand + respond pack for that document — not a one-size-fits-all article. Educational only.
Take a picture of your bill or EOB
If there are several pages, add them all (up to 10). Photos work best; clear PDFs work too.
Not ready to upload yours?
Try a free sample pack — then upload your real letter for a custom one.
What’s in the full pack
- Plain English of the amounts, dates, and asks on your pages
- Who to contact and a short checklist for this situation
- Call and email scripts written from your letter
- For collection notices: a debt validation–style draft when it fits
Why a clear response matters
Ignoring a letter rarely helps. A calm written or phone reply — asking for verification, itemization, or a dispute in the window they gave you — often puts the sender on a process they have to follow, and leaves you with a paper trail. We help you take that first step without sounding lost.
Educational only — not legal advice. Rights and deadlines depend on the document and your situation.
Read the reason codes
Denials often cite missing prior auth, not covered, out of network, or incomplete information. The exact words on your letter matter more than generic advice.
Order of operations
Identify the claim and date of service, find the denial language, check whether an appeal window is printed, and decide whether to call the plan, the provider, or both—with notes. We draft language from your upload so you’re not starting from a blank page.
Still holding the letter?
Take a picture of every page. Free preview first — unlock the full pack only if it helps.
Upload a photo