Health Insurance Appeal Generator
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Plan Type
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Your Info
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Denial
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Medical
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Generate
How to Find Your Regulator
Look at your insurance card or Summary of Benefits:
- If it says "DMHC" or has DMHC logo → Regulated by DMHC
- If it says "CDI" or Dept of Insurance → Regulated by CDI
- Call the number on your card and ask which agency regulates your plan
- DMHC Help Center: 1-888-466-2219
Ready to Generate Your Appeal Documents
Review your information and click Generate. You should also gather: your denial letter, medical records supporting your case, and any letters from your doctor explaining medical necessity.
Independent Medical Review (IMR)
California law gives you the right to have your denial reviewed by independent doctors who don't work for the insurance company. IMR is FREE and the decision is binding on the insurer.
- Available after internal appeal denial (or skip if urgent)
- Must request within 6 months of final denial
- Decision within 30 days (72 hours if urgent)
- High overturn rate for medically necessary treatments
⚠️ Disclaimer
These documents are templates for educational purposes only. They may not cover all required elements for your specific plan or situation. Consider consulting with a patient advocate, healthcare attorney, or your doctor's office for assistance with appeals.
Generated Documents
Internal Appeal
Your internal appeal letter will appear here after you complete the form and click Generate.
Your IMR request information will appear here.
Your DMHC complaint draft will appear here.
Your CDI complaint draft will appear here.