Appealing an insurance decision

If your insurance denies coverage of your treatment, sometimes it’s hard to know what to do next. But if your insurance company refuses to pay a claim, you have right to file an appeal. After all, nothing should stand in the way of you and your prescribed treatment! 

The resources on this page are designed to:

  • Help you understand the steps in the insurance appeals process
  • Identify reasons why your insurance company might not be covering your treatment
  • Provide you and your physician with template letters to help you be successful in your insurance appeal
  • Connect you to an NPF Patient Navigator for one-on-one assistance

Contact a Patient Navigator

If you’d like one-on-one assistance, an NPF Patient Navigator can help. We’ll share the appropriate template appeal letters and guide you through the appeals process.

Tell us a little about yourself, and a Patient Navigator will get in touch with you.


Know what you need? Download a sample letter, which can be used to appeal your specific insurance denial.

If you live in one of 19 states where NPF has passed legislation to protect you from step therapy, we have a specialized letter for you. Step therapy is when your insurance requires you to try a different treatment before approving the one your doctor prescribed.

To learn more, contact an NPF Patient Navigator.

Learn more about commercial insurance 

Our commercial insurance quick guide will break down terms you need to know and help picking a plan.