Disclosure

Disclosure

An important disclaimer, plus how the site is funded — per FTC guidance.

Not legal, medical, or insurance advice

Denial Appeal provides free, general-purpose educational templates and information. It is not a law firm, medical practice, insurance company, or advisor, and nothing here is legal, medical, insurance, or financial advice for your specific claim. Reading the site or using a template does not create an attorney-client or any other professional relationship.

Appeal rights, filing deadlines, decision timeframes, and processes change over time and differ by plan type — Affordable Care Act marketplace and individual plans, employer (ERISA) plans, Medicare, Medicaid, and short-term plans each work differently. We try to describe federal rules accurately as of the date each page was reviewed, but the controlling deadline and process are the ones stated on your own denial letter or plan documents, and you must confirm what currently applies to you before acting. For important, urgent, or high-dollar denials, consult a licensed attorney or a professional patient advocate.

No warranty

The templates and information are provided "as is," without warranty of any kind. We make no guarantee that an appeal will succeed, that a claim will be paid, or that any particular outcome will result. You are responsible for what you send, for meeting deadlines, and for the accuracy of the information you fill in.

How the site is funded

This site is free to use. Some outbound links may be affiliate links — if you sign up for a service through one, we may earn a commission at no extra cost to you. A commission never changes the information we publish or the letters we provide.

Trademarks

References to laws (such as the Affordable Care Act or ERISA) and to insurers or agencies are for identification and education only. This is an independent reference and is not affiliated with, endorsed by, or sponsored by any government agency or insurer.