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 can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. [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 How much does COBRA insurance cost? By Les Masterson A complete guide to short-term health insurance By Shivani Gite Guide to domestic partner health insurance By Chris Kissell How insurance works for same-sex couples By Susan Manning How to buy individual health insurance By Nupur Gambhir Should you decline the health insurance plan at work? By Erik Martin ZIP Code Please enter valid ZIP See rates