Medical insurance guides

Plain-English help

Short guides to denied claims, appeals and surprise bills: what to do and how long you have.

How to appeal a health insurance denialStep-by-step: how to appeal a denied health insurance claim, the 180-day internal appeal window, what to include, and how to request a free or low-cost external review.
“Not medically necessary” denial: how to appealYour insurer said a test or treatment is not medically necessary.
Prior authorization denied: what to doYour insurer denied prior authorization for a test, drug or treatment.
How to read an explanation of benefits (EOB)An explanation of benefits is not a bill.
Surprise medical bill: your rights and what to doGot an unexpected out-of-network bill? Learn what the No Surprises Act protects, what it does not, how to dispute the bill, and where to file a complaint.

Want help writing your letter?
Upload your denial letter, explanation of benefits or bill to MyMedReply. It writes your appeal or dispute and cites the rules that usually apply. The draft is free; you pay only to copy it.
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This guide is general information, not medical, legal or insurance advice. Rules and deadlines vary by plan and state, so your denial letter and plan documents control. Medicare and Medicaid have their own appeal rules.