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Appeal Letter for a Denied Claim | How to Get Claim Forms

12/4/2024

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Appeal Letter for a Denied Claim | How to Get Claim Forms
Appeal Letter for a Denied Claim | How to Get Claim Forms
​[Your Name/Practice Name]
[Your Address]
[City, State, ZIP Code]
[Phone Number]
[Email Address]
[Date]
Claims Department
[Insurance Company Name]
[Insurance Company Address]
[City, State, ZIP Code]
Re: Appeal for Denied Claim
Patient Name: [Patient Full Name]
Policy Number: [Policy Number]
Claim Number: [Claim Number]
Date of Service: [Date of Service]
Provider Name: [Your Name/Practice Name]
Dear Claims Department,
I am writing to formally appeal the denial of the above-referenced claim. Upon reviewing the denial notification, I believe that the decision was made in error based on the medical necessity and documentation provided.
Reason for DenialAccording to your explanation of benefits (EOB), the claim was denied for the following reason:
[Insert denial reason from EOB, e.g., "Service not medically necessary," "Incorrect coding," etc.]
Justification for Appeal[Explain why the denial is incorrect, using specific details relevant to the case. Below is an example structure:
  1. Medical Necessity: Outline how the treatment/procedure aligns with standard medical practices and meets medical necessity criteria. Reference specific guidelines if applicable (e.g., ICD-10 codes, CPT codes).
  2. Documentation: Reference attached documents that support the claim, such as physician notes, test results, or additional evidence of the patient’s condition and the need for treatment.
  3. Corrected Errors (if applicable): If errors were made (e.g., incorrect codes), provide the corrected information.]
For example:
The denied service, [Name of Service or Procedure], was essential for treating [specific condition], as documented in the patient’s medical records. According to [e.g., payer's medical necessity policy, Medicare guidelines, or clinical practice guidelines], this procedure is a recognized and effective treatment for [specific condition].
Enclosed with this letter, you will find:
  1. [List supporting documentation, e.g., medical records, provider notes, corrected claim form, etc.]
  2. [Guidelines supporting medical necessity, if applicable.]
Requested ResolutionI kindly request that you reconsider this claim and approve reimbursement based on the supporting evidence provided. Should you require additional information or documentation, I am happy to provide it promptly.
Attachments
  1. [List all attached documents, e.g., Medical Records, Provider Notes, Corrected Claim Form, etc.]
Thank you for your attention to this matter. I look forward to a prompt resolution. Please feel free to contact me at [Your Phone Number] or [Your Email Address] if you have further questions or require additional details.
Sincerely,
[Your Full Name and Title]
[Your Practice Name]
[Your Contact Information]

Appeal Forms by Insurance Payers:

Here’s an updated list of insurance providers with URLs starting with "https://" or "www.":
  1. Aetna: https://www.aetna.com/health-care-professionals/disputes-appeals.html
  2. Cigna Healthcare: https://www.cigna.com/health-care-providers/coverage-and-claims/appeals-disputes/
  3. Humana: https://www.provider.humana.com/coverage-claims/payment-integrity/reconsiderations-appeals
  4. Meritain Health: https://www.meritain.com/wp-content/uploads/2021/06/Meritain_Appeal-Form_0621_Interactive.pdf
  5. UnitedHealthcare: https://www.uhcprovider.com/en/resource-library/provider-forms.html
  6. Medicare: https://www.medicare.gov/basics/forms-publications-mailings/forms/appeals
  7. HealthCare.gov: https://www.healthcare.gov/marketplace-appeals/ways-to-appeal/index.html
  8. Blue Cross Blue Shield Association: https://www.bcbs.com/member-services/claims-and-appeals/appeals-process
  9. Kaiser Permanente: https://healthy.kaiserpermanente.org/support/grievances-appeals
  10. Anthem Blue Cross Blue Shield: https://www.anthem.com/ca/member-resources/appeals-grievances/
  11. Centene Corporation: https://www.centene.com/providers/provider-resources/provider-dispute-resolution.html
  12. Molina Healthcare: https://www.molinahealthcare.com/providers/common/medicaid/appeals.aspx
  13. WellCare Health Plans: https://www.wellcare.com/en/Providers/Disputes-and-Appeals
  14. Amerigroup: https://provider.amerigroup.com/texas-provider/resources/claims/appeals
  15. Highmark Blue Cross Blue Shield: https://www.highmarkbcbs.com/providers/claims-and-billing/appeals.html
  16. EmblemHealth: https://www.emblemhealth.com/providers/claims-corner/claims-appeals
  17. Health Net: https://www.healthnet.com/content/healthnet/en_us/providers/working-with-hn/appeals.html
  18. Oscar Health: https://www.hioscar.com/providers/claims-appeals
  19. Tufts Health Plan: https://tuftshealthplan.com/provider/payment-policies/payment-disputes
  20. Harvard Pilgrim Health Care: https://www.harvardpilgrim.org/provider/claims-billing/appeals/
Motor Vehicle Accident (MVA) Insurance Providers:
  1. State Farm Insurance: https://www.statefarm.com/claims/auto
  2. GEICO: https://www.geico.com/claims/
  3. Progressive Insurance: https://www.progressive.com/claims/auto/
  4. Allstate Insurance: https://www.allstate.com/claims/auto-insurance-claims
  5. USAA: https://www.usaa.com/inet/wc/auto-claims
  6. Liberty Mutual: https://www.libertymutual.com/claims/auto
  7. Nationwide Insurance: https://www.nationwide.com/personal/insurance/auto/claims
  8. Farmers Insurance: https://www.farmers.com/claims/auto/
  9. American Family Insurance: https://www.amfam.com/claims/auto-claims
  10. Travelers Insurance: https://www.travelers.com/claims/auto
Workers' Compensation Insurance Providers:
  1. The Hartford: https://www.thehartford.com/workers-compensation/claims
  2. Travelers Insurance: https://www.travelers.com/claims/workers-compensation
  3. Liberty Mutual: https://www.libertymutualgroup.com/business-insurance/claims/workers-compensation
  4. Chubb Insurance: https://www.chubb.com/us-en/claims/workers-compensation-claims.aspx
  5. Zurich Insurance: https://www.zurichna.com/claims/workers-compensation
  6. Berkshire Hathaway GUARD Insurance Companies: https://www.guard.com/claims/workers-compensation/
  7. AmTrust Financial: https://amtrustfinancial.com/claims/workers-compensation
  8. Employers Insurance: https://www.employers.com/claims/
  9. ICW Group Insurance Companies: https://www.icwgroup.com/claims/workers-compensation/
  10. PMA Companies: https://www.pmacompanies.com/claims/workers-compensation
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    ABOUT THE AUTHOR:
    Ms. Pinky Maniri-Pescasio, MSC, CSPPM, CRCR, CSBI, CSPR, CSAF is the Founder of GoHealthcare Consulting. She is a National Speaker on Practice Reimbursement and a Physician Advocate. She has served the Medical Practice Industry for more than 25 years as a Professional Medical Practice Consultant.

    Current HFMA Professional Expertise Credentials: 
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  • About
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  • Leadership
  • Contact Us
  • Testimonials
  • READ OUR BLOG
  • Let's Meet in Person
    • 2023 ORTHOPEDIC VALUE BASED CARE CONFERENCE
    • 2023 AAOS Annual Meeting of the American Academy of Orthopaedic Surgeons
    • 2023 ASIPP 25th Annual Meeting of the American Society of Interventional Pain Management
    • 2023 Becker's 20th Annual Spine, Orthopedic & Pain Management-Driven ASC Conference
    • 2023 FSIPP Annual Conference by FSIPP FSPMR Florida Society Of Interventional Pain Physicians
    • 2023 New York and New Jersey Pain Medicine Symposium
  • Frequently Asked Questions and Answers - GoHealthcare Practice Solutions
  • Readers Questions
  • Artificial Intelligence Division