- 1 Describe
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My insurance denied a claim
Your options, best first
#1 Instant price check and quote request
What it costs here
Price check: UNKNOWN. no live listing prices yet in this category, so we do not guess; send the generated request below to get real quotes.
#2 Book a advocate
Claim-denial appeals (commercial plans; ERISA/ACA appeal rights)
An advocate can review the denial and help with the letters you send.
Prices are set by each independent advocate and shown before you pay.
#3 Do it yourself
File the internal appeal
- Read the denial letter for the reason and the appeal deadline (often 180 days for commercial plans).
- Ask your doctor for a letter of medical necessity.
- Write the appeal and attach records.
- Send it in the way the letter says, and keep proof.
- Ask for the claim file.
Safety: Copy the deadline to your calendar the day you get the letter.
Stop and call a pro if: the plan upholds the denial: request external review.
Based on: CFPB - What should I do if I can't pay a medical bill?, U.S. PIRG - I received a medical bill I cannot afford to pay
General information, not professional, legal or medical advice. You decide and you send every document yourself; we never contact anyone for you.