Health Insurance Second-level letter of appeal for a health insurance claim denial Written by: Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. | Reviewed by: Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on January 30, 2010 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. [Your name] [Your address] [Your city, state, ZIP] [Your phone number] [Date] Attn: Director of Claims [Name of insurance company] [Insurance company address] [City, state, ZIP] Re: Patient: [patient name]Policy: [insurance policy number]Insured: [name of insured person]Treatment dates: [admission date] – [discharge date]Amount: [total charges] Dear [Mr./Ms./Director of Claims name, if available], On [date of first letter], I appealed a denied claim for [name of insured person]. A copy of that claim and appeal letter is enclosed. I have not heard from you [or the claim remains denied; or give other reason here]. I am requesting a hearing to resolve this matter. I feel that denial and nonpayment of this claim has jeopardized [my/name of insured person(‘s)] access to health care [or give other reason here]. If I do not hear from you within 10 days, I am referring this matter to the consumer assistance division of the [state name] Attorney General’s Office, [state name] Department of Insurance, and may also seek private legal counsel. In my opinion, you have failed in your obligation to provide acceptable and adequate service. Be assured that I intend to use every available means to get this matter resolved. Sincerely, [your signature here] Related ArticlesSample letter of appealHow to avoid a health insurance claim denial Michelle MegnaContributor . .Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Related Articles When you can enroll in health insurance By Chris Kissell How to buy individual health insurance By Nupur Gambhir How to get your health insurer to pay for your weight-loss or bariatric surgery By Susan Manning When to reject the health insurance plan at work By Erik Martin Who can you add to your health insurance plan? By Barry Eitel How much does COBRA insurance cost? By Les Masterson Get instant quotes now ! Please enter valid zip Get Quotes