Here is an example of a letter you can send to your insurance company to appeal, if you get denied:

Dear Claims Examiner:

I am writing to respond to a recent benefit estimate that was denied for our 8-year old daughter Madalyn. This letter is a formal letter of appeal. Attached is a letter from Dr ___, our pediatrician who has seen Maddie through out her last 4 years, an evaluation summary done by Fraser and an evaluation done by ____ Development & Family Center. _____ has stated that speech intervention is medically necessary for our daughter to succeed in a school environment. The Fraser evaluation also indicates speech intervention is necessary for her to be able to learn.

Maddie has made several gains from the individualized occupational therapy she received through ____ Development & Family Center the past three years. The gains have been so successful that she no longer needed this type of therapy. However her speech and comprehension has not improved over this time frame it has been suggested by Fraser and her pediatrician Dr ____ that she get speech intervention immediately. Our hope is that with this intervention she will learn to be more confidant with her speaking and comprehension so she can learn along with her peers and will eventually (similar to the OT intervention) be able to rely on school services only.

Our goal for Maddie continues to be for her to get her learning skills up to a more age appropriate level so she can independently learn in a school environment. We will need to have the speech intervention for her to reach this goal. It is critical that we have this assistance and support from our insurance providers.

Please re-evaluate our benefits for these services.

Sincerely,

This is just an example of an appeal letter. Make sure to put in your personal information if using this letter.