Your health insurance denial is not final. Generate a professional, legally grounded appeal letter tailored to your specific denial reason — in minutes, for $14.99. Your information never leaves your device.
Your information stays on your device. We collect nothing.
Most people accept a denial without question. MedRebuttal helps you exercise the right you already have.
Simple process
Answer straightforward questions about your denial. Your professional appeal letter is generated instantly and ready to print and mail.
Your name, member ID, claim number, insurer, and the appeals address from your denial notice.
Choose your denial category and select the specific reason using the exact language from your denial letter.
Select the argument that best fits your situation from three professionally crafted options.
Pay $14.99 and download your complete appeal letter as a PDF — ready to sign, copy, and mail.
Coverage
MedRebuttal addresses the denial categories that account for the vast majority of health insurance claim denials in the United States.
Service performed without authorization, authorization denied, referral not obtained, or wrong procedure code.
Treatment deemed not medically necessary, experimental, excessive level of care, or step therapy required.
Provider not in network, no in-network alternative available, emergency OON services, or directory error.
Late filing, missing documentation, duplicate claim, member not eligible, or incorrect billing code.
Annual visit limit, inpatient day limit, dollar cap, or service misclassified into wrong benefit category.
Visit caps, prior authorization, or higher cost-sharing applied to behavioral health or substance use services.
Primary vs secondary insurer dispute, Medicare coordination error, or zero-payment COB calculation.
The letter
Every MedRebuttal letter is built around your specific denial reason — not a generic template. It challenges the insurer's burden of proof and demands documented justification.
The letter uses the appeals address from your denial notice — correctly addressed and ready to mail.
Every letter demands the insurer produce specific documentation justifying the denial — not restate it.
Arguments are grounded in the ACA, MHPAEA, No Surprises Act, and other relevant legal frameworks.
Every letter closes by confirming your right to external review if the internal appeal is denied.
Based on your denial type, the letter output tells you exactly what supporting documents to include.
Re: Formal Internal Appeal — Claim No. [XXXXXXXX]
Date of Service: [Date] | Date of Denial: [Date]
To the Appeals Department,
I am writing to formally appeal the denial of coverage for [service] under my health insurance plan. I am invoking my right to an internal appeal under the Affordable Care Act and the terms of my plan.
The patient's treating physician has examined this patient directly, managed their care over time, and made a clinical determination based on personal knowledge of this patient's history, presentation, and treatment needs...
The insurer is requested to identify the specialty and board certification of the reviewing physician, confirm whether that physician has ever examined this patient, and explain specifically — on clinical grounds — the basis on which the reviewer's determination overrides that of the treating physician...
The patient formally requests that this denial be reconsidered and overturned, and that coverage for this service be approved and the claim processed for payment...
Privacy
MedRebuttal was built with privacy as a core principle — not an afterthought. Here is exactly how your information is handled.
All form data and letter generation happens in your browser. Nothing is sent to any server at any point.
We do not collect your name, member ID, health information, claim details, or any personal data.
When you close your browser, your information is gone. We have no record of your visit or your letter.
You do not create an account. There is no login. No profile. No data associated with you anywhere.
The only data that leaves your device is your payment — processed securely by Stripe. We never see your card details.
No advertising pixels, no behavior tracking, no analytics that identify you personally. Your visit is private.
Pricing
One price. One letter. No subscription, no account, no hidden fees.
One-time payment — per appeal letter
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This service provides a professional letter for informational purposes only and does not constitute legal advice.