Hardship Letter Examples

   Medical Benefit Pre-Existing Condition

{Your Name}
{Your Address}
{Your Phone #}


Dear {Insurance Representative}:

I am writing with regards to a claim filed by {Provider} on {date} for {Patient}. The claim number is {number} and the total amount billed was {amount}. The claim has been denied on the basis that my {condition} is considered a pre-existing condition and therefore not covered by {health plan}.

I respectfully ask that you consider making an exception for procedures and prescriptions associated with this condition. I am unable to get coverage based on this pre-existing condition, which makes my life incredibly difficult. Having to choose between being able to pay for food and rent and being able to treat this debilitating condition has caused {repercussions}. {Brief description of what the symptoms of this condition are like and how they make your life difficult}.

I understand that exceptions are reserved for extreme cases, but this condition has had a severe and debilitating effect on my life. I cannot continue to treat it without coverage. Enclosed is a statement from my doctor detailing the necessity for coverage and the unmanageable cost this is having on me and my limited funds.

Thank you for your time and consideration.


{Sender Name}

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Index of Hardship Letter Examples