How to appeal a denied health insurance claim
Read the denial, gather support, and use your appeal rights.
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1
Read the denial reason
The explanation of benefits states why the claim was denied and the deadline to appeal.
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2
Gather supporting documents
Collect medical records and a letter from your doctor explaining medical necessity.
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3
File an internal appeal
Submit your appeal in writing before the deadline and keep copies.
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4
Request an external review
If the internal appeal fails, an independent external review may be available.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.