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.
Take a photo of every page
Phone camera, or a PDF from your portal. Free one-line preview. Full understand + respond pack $8 from your pages — checklist and a calm draft. We don’t sell your documents or contact your insurer. Educational only; not legal advice.
Photo the papers in your hand
Camera is fastest on a phone. A PDF from your insurer portal works too. Add every page (up to 10).
We don’t sell your documents, and we never contact your insurer or collector. Default keep is about 30 days.
Not ready to upload yours?
Open a full sample pack (free) — then photo 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.
Take a photo