MD Fights Back

Insurance denial appeal education and other inside tip

Example Templates to appeal insurance

Header of the letter should include most of the following information and will vary by insurance:

  • Attention: Expedited Appeal
  • Reference #  
  • [ Date ] 
  • Re: [ Name of Person Whose Claim Was Denied ]
  • Insurance ID: [ Enter the insurance ID # for the person whose claim was denied ] 
  • Date of Birth: [ Enter the birth date for the person whose claim was denied ] 
  • Claim Number/Case ID : [ Provided by the Insurance ] 

Body of the letter :

  • Tell the story
  • Find in your policy wording that specifically includes coverage for acute inpatient rehabilitation
  • If possible attach medical records. depending on the hospital system you may have access to them through a portal. Or you may need to contact the medical records department.

To Whom It May Concern: 

I  am writing to appeal your denial of acute inpatient rehabilitation.  (Patient Name) was evaluated by a rehabilitation physician and services were deemed medically necessary. (Patient Name) was admitted to the hospital with ( diagnosis examples are hip fracture, cardiac cause, infection ect )  and has been treated for ( provide medical problems examples are infection, high blood pressure, anemia, UTI, diabetes, ect)

 (Patient Name) is now suffering with ( examples weakness, decrease endurance, impaired balance, impaired cognition) secondary to their  hospital course and will benefit from close medical supervision not offered in a lower level of care. I believe acute inpatients rehab  is (Patient Name) best chance and returning home where they  belong.  Please cover this stay in acute inpatient rehabilitation. Thank you for your attention to this matter. If you have any questions, please call me at [ your phone number ]. 

Sincerely,

 [ Your Name ] 

[Attachments:] 

[List of Attachments, if any]

 

To Whom It May Concern,

I am writing to appeal the denial of coverage for my acute inpatient rehabilitation stay . I received a denial letter stating that the services were not medically necessary based on the criteria outlined in my insurance policy.

I strongly believe that the decision to deny coverage for my rehabilitation stay was made in error. My healthcare provider has recommended acute inpatient rehabilitation as the best course of treatment for my condition, and I have been working with a multidisciplinary team of healthcare professionals who have all agreed that acute inpatient rehabilitation is the most appropriate level of care for my needs.

I have included a letter from my healthcare provider ( ask for the rehab consult) outlining the reasons why I need acute inpatient rehabilitation, as well as copies of my medical records and other supporting documentation. I urge you to review this information carefully and reconsider your decision to deny coverage.

Additionally, I would like to point out that my insurance policy specifically includes coverage for acute inpatient rehabilitation, and I meet all of the necessary criteria for this coverage. Specifically, [list policy provisions that support coverage].

I understand that there may be specific deadlines and requirements for submitting an appeal, and I have taken all necessary steps to ensure that my appeal is submitted in a timely and complete manner. I am confident that with this additional information, you will see that acute inpatient rehabilitation is both medically necessary and covered under my insurance policy.

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my appeal.

Sincerely,

[Your Name]

To Whom It May Concern,

I am writing to appeal the denial of coverage for my acute inpatient rehabilitation, I received a denial letter stating that the services were not medically necessary based on the criteria outlined in my insurance policy.

I respectfully disagree with this decision and believe that the denial was made in error. My healthcare provider has determined that acute inpatient rehabilitation is necessary to help me regain my functional abilities following [condition or injury]. I have included a letter from my healthcare provider ( ask for the rehab consult) outlining the reasons why I need acute inpatient rehabilitation.

Furthermore, I have reviewed my insurance policy and believe that my request for acute inpatient rehabilitation meets the criteria for coverage. Specifically, [list policy provisions that support coverage]. I have also included medical records and therapy notes from my hospital stay to support my appeal.

I understand that there may be specific deadlines and requirements for submitting an appeal. I kindly request that you reconsider your decision and approve coverage for my acute inpatient rehabilitation stay.

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my appeal.

Sincerely,