Your Rights · Benefits & Medicare
Insurance denied experimental treatment?
Build the appeal properly.
Answer 5 quick questions — get a cover letter, a physician letter checklist, and a request for independent external review.
5
appeal sections
2 min
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Instant delivery to your emailYour insurance denied coverage for experimental treatment — and you need to fight back
Your doctor recommended an experimental treatment. Your insurance said no. You're stuck — and you don't know how to appeal.
You have rights — and this guide helps you fight for the treatment you need.
You have rights — and this guide helps you fight for the treatment you need.
Experimental treatments can save lives
Many patients benefit from experimental or off-label treatments — but insurance companies often deny coverage.
You have the right to appeal
You have the right to appeal a denial — including requesting independent external review if the insurance company refuses.
The medical case has to come from your doctor
An appeal without a letter of medical necessity is weak. The guide shows you exactly what to ask your physician for, and builds the rest of the package around it.
You can request external review
If the insurance company still refuses, you can request an independent external review — the guide includes the letter.
What you get
Everything you need to appeal an experimental treatment denial.
Appeal letter
Formal letter to the insurance company — with medical necessity arguments and placeholders.
Physician letter request kit
A checklist of what your doctor's letter of medical necessity should cover, plus a short request you can send their office — that letter is what decides the appeal.
External review request
Request for independent external review — if the insurance company still refuses.
Documentation guide
What evidence to gather for your case — medical records, studies, and doctor's support.
How it works
From denied to appealed in 2 minutes.
1
Answer 5 quick questions
Treatment, denial reason, diagnosis, treatment cost, and appeal level.
~2 minutes2
AI builds your custom appeal
You get a complete HTML document with appeal letter, medical necessity arguments, external review request, and documentation guide.
~30 seconds3
Appeal with the right attachments
Send the cover letter with your physician's letter and records attached — and request external review if the plan upholds the denial.
You decide1
complete appeal package
30
days to respond
1
appeal letter
1
external review request
Questions
Everything you need to know.
Is this medical or legal advice?
No. It is appeal preparation. Nothing in it is a clinical opinion about your case — the medical argument has to come from your treating physician's letter of medical necessity, and the guide is built to support that letter rather than replace it. For legal questions about your coverage, consult an attorney or your state's consumer assistance program.
What is experimental or off-label treatment?
Experimental treatment is a treatment that hasn't been fully proven yet — it may be in clinical trials or new. Off-label treatment is using an FDA-approved drug or device for a condition it wasn't originally approved for. Both can be life-saving — but insurance companies often deny them.
Who writes the medical part of the appeal?
Your treating physician — not this guide and not you. A letter of medical necessity from the doctor who ordered the treatment is the document reviewers weigh most heavily. This guide gives you a checklist of what that letter should cover, a request you can send their office, and the cover letter and procedural arguments that go around it.
What is external review?
External review is an independent review of your case by a third party — not the insurance company. If the insurance company denies your appeal, you can request external review. The guide includes a letter to request it.
How long do I have to appeal?
It depends on your plan and your state, and the window for external review is different from the one for internal appeals. Take the deadline from your denial letter, confirm it with your plan, and check with your state Department of Insurance. If the treatment is time-sensitive, ask for an expedited appeal right away rather than waiting.
Do I need a lawyer?
Not necessarily — many people successfully appeal denials on their own. But if the case is complex or the amount is large, you may want to consult one. The guide includes options for finding help.
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