Free resource
Medical bill appeal letter templates.
Seven pre-built, federal-rule-grounded letters for the most common medical bill disputes — duplicate charges, balance billing, No Surprises Act violations, NCCI unbundling, modifier misuse, denied prior authorization, and EOB mismatches. Free to use. Signup not required.
Duplicate charge appeal
Duplicate chargeWhen the same line item appears twice on a single bill (often via separate claims).
Cites: False Claims Act (31 U.S.C. § 3729) + plan contract overbilling obligation
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Balance billing dispute (in-network provider)
Balance billingWhen an in-network provider bills you for the difference between their charge and what insurance paid.
Cites: Plan in-network contract + state balance-billing protections
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No Surprises Act protection
No Surprises ActFor surprise out-of-network bills from in-network facilities (ER, anesthesia, radiology).
Cites: No Surprises Act, 42 U.S.C. § 300gg-111
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NCCI unbundling appeal
UnbundlingWhen a provider bills separately for procedures that should be bundled under CMS NCCI edits.
Cites: CMS NCCI Policy Manual, Chapter 1
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Modifier 25 misuse appeal
Modifier misuseWhen an E/M visit is billed alongside a same-day procedure without supporting modifier-25 documentation.
Cites: CMS Modifier 25 Policy, Pub. 100-04 Chapter 12 § 30.6.6
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Prior-authorization denial appeal
Prior authWhen your insurer denied a claim citing missing prior auth that you actually had.
Cites: ERISA § 503 / ACA appeal rights (45 CFR § 147.136)
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Bill exceeds the EOB
EOB mismatchWhen the provider’s bill is for more than your insurer’s Explanation of Benefits says you owe.
Cites: Plan contract + state UCC dispute provisions
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