Federal parity law requires most insurance plans to cover opioid use
disorder treatment the same way they cover other medical conditions. This
tool drafts a letter citing that requirement, based on your denial.
Because you indicated urgency, this letter requests an expedited
appeal. Insurers are generally required to respond to expedited
appeals much faster than standard ones (often within 72 hours) — call the
number on your insurance card and say the words "expedited appeal" directly
in addition to sending this letter.
Send this along with a copy of your denial letter, by the method your plan
specifies (mail, fax, or portal) and keep a copy of everything, including
proof of when you sent it — most plans give you 180 days from the denial to
file an internal appeal, and you have the right to an external review after
that if the internal appeal is also denied.