Guides & free letter templates
Complete, copy-paste templates and step-by-step playbooks — free, no email wall. When you want the letter written from your facts with the citations in place, the generator does it in about 60 seconds.
Health insurance denials
Full playbook →- How to Appeal a Health Insurance Denial: The Complete PlaybookStep-by-step: decoding the denial, the 180-day internal appeal, the physician letter, external review, and expedited timelines for urgent care.
- External Review: The Binding Second Opinion Insurers FearWhen internal appeals fail, external review puts independent clinicians in charge — and their decision binds the insurer. Eligibility, deadlines, and strategy.
- How to Write an Appeal Letter That Gets Taken SeriouslyThe anatomy of a winning appeal or dispute letter: structure, tone, citations, remedies, and deadlines — for insurance denials and billing disputes alike.
- Medical Claim Denial Appeal Letter Template (Free, Complete)Includes free templateA complete, copy-paste appeal letter for a denied medical claim — with the ACA citations in place. Free, no email wall. Fill the brackets and send.
- How to Appeal a Denied Prior Authorization (With Template)Includes free templatePrior auth denials are frequently overturned once real clinical evidence reaches a reviewer. The process, the deadlines, and a complete free template.
- What to Do When Health Insurance Denies Your Claim: First 7 DaysIncludes free templateThe first week after a denial decides the appeal. The 7-day action plan, the records to request, and a free claim-file request letter template.
- How to Appeal a UnitedHealthcare Claim DenialUHC denied your claim? Where to file the appeal, the 180-day window, what to include, and how to escalate to external review.
- How to Appeal a Cigna Claim DenialCigna denied your claim? The myCigna appeal route, the 180-day window, what your appeal must contain, and the external review escape hatch.
- How to Appeal an Aetna Claim DenialAetna denied your claim? The member portal appeal route, deadlines, the two-level structure many plans use, and how to force external review.
- How to Appeal a Blue Cross Blue Shield Claim DenialBCBS is 33 independent companies — your appeal goes to YOUR Blue plan. How to identify it from your ID card and run the appeal correctly.
Auto insurance disputes
Full playbook →- Total Loss Offer Too Low: What to Do, Step by StepA practical sequence for raising a total-loss settlement: get the valuation report, audit it, build comps, add taxes and fees, invoke appraisal if needed.
- Auto Claim Dispute Letter Template (Free, Complete)Includes free templateA complete, copy-paste dispute letter for a lowball or denied auto claim — comparables section, appraisal clause, DOI escalation. Free, no email wall.
- Car Insurance Offer Too Low? Send This Counter (Template)Includes free templateDon't accept the first number. A short, sharp counter-offer letter template plus the checklist that finds the money their valuation left out.
- How to Negotiate With an Auto Insurance Adjuster (and Win)Includes free templateAdjusters settle hundreds of claims; you settle one. The rules, scripts, and a follow-up letter template that turn a first offer into a fair one.
Phone & internet bills
Full playbook →- How to Dispute a Phone or Internet Bill (and Win Credits)The written-dispute process that beats endless support calls: itemize the charges, cite Truth-in-Billing, set a deadline, escalate to the FCC.
- Bill Dispute Letter Template (Free, Complete)Includes free templateA complete, copy-paste letter to dispute phone or internet bill charges — FCC citations included, good-faith framing built in. Free, no email wall.
They said denied. You say appeal.
Start with the free analyzer — see why you were denied and how to fight it.
Analyze my denial — freeAppealIQ is not a law firm and does not provide legal advice. Templates and guides are general information — verify deadlines and state rules for your situation.