A denial isn’t the last word

When Medicare or an insurer says no — coverage cut off, a treatment or device denied, a drug refused — you have the right to appeal, and appeals succeed more often than people expect. The hard part is writing the letter while you’re already exhausted. Tell me what happened, and I’ll draft a clear, point-by-point appeal you can review, sign, and send — plus exactly where it goes and by when.

I prepare the letter; you send it. I never submit anything for you, and nothing you type is saved.

Who are you appealing for? (optional)

What kind of coverage is this?

What was denied or stopped?

What reason did they give for the denial?

Copy the wording from your notice if you can — e.g. “not medically necessary,” “no longer improving,” “not authorized.”

Is there a deadline on the notice? (optional)

Tell me what happened — in your own words

The facts are what make the appeal strong: the diagnosis, what the doctor or therapist says is needed, and what happens to your loved one without it. The more specific, the better the letter.

Tell me what happened in a sentence or two, and I’ll draft your appeal.

Anonymous and free to draft. Nothing you enter is saved. Tugboat prepares the letter; you review, sign, and send it. This is a drafting aid, not legal or medical advice — for complex denials, get free help from SHIP (shiphelp.org / 1-800-MEDICARE).

Not sure what your loved one will need next? The Caregiver Navigator gives you your first three moves, and the stage-by-stage guides map out what’s coming.

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