Relief Letters — Fight Your Medical Bill. Appeal Your Denial.

"Most people never fight back. Not because they can't — because they don't know what to say."

Hospitals are legally required to offer financial assistance. Insurance companies must allow appeals. The difference between a denial and an approval is often just one well-written letter. We write that letter.

What We Write pick one, or both →

Medical Hardship Letter

$97

For patients who can't afford their hospital bill.

References your state's charity care laws
Built around your income, household size, and circumstances
Written in the language hospitals respond to
Nonprofit hospitals are federally required to have assistance programs

Order Hardship Letter — $97 →

Insurance Denial Appeal

$97

For claims denied as not medically necessary, out-of-network, or experimental.

Covers internal appeals and external review rights
Addresses the specific reason your claim was denied
Written for your insurance type (employer, ACA, Medicare, Medicaid)
A well-written appeal gets reviewed differently

Order Denial Appeal — $97 →

Need both? Bundle for $147

One intake. Two letters. Full protection.

Order Both Letters — $147

A person writing a letter by hand at a wooden table in warm light

how it works

Three steps. Usually done by end of day.

Choose your letter

Hardship, appeal, or both. You know what you need.

Tell us your situation

Short form: your bill or denial, your state, your circumstances.

Receive your letter

Personalized and ready to submit. Usually within hours.

In Their Words

"I had no idea I could ask the hospital to forgive my bill. The letter arrived in two hours. I submitted it the same day. They approved $14,000 in assistance within three weeks."

— Sarah M., Phoenix, AZ

"My insurance denied my surgery as 'not medically necessary.' The appeal letter addressed every point in the denial notice. It was approved on first internal review."

— James T., Atlanta, GA

"I'm 61, on a fixed income, and I couldn't read the denial letter without getting anxious. The team wrote back in plain language exactly what I needed to say. I finally felt like I had backup."

— Carol B., Portland, OR

straight talk

We write letters. Not legal advice.

Relief Letters is a document writing service. We help you put your situation into words that hospitals and insurance companies understand. We are not a law firm. We do not provide legal advice. We do not represent you. Your letter is a starting point — you review it, you submit it, you own it.

That said: a well-written, personalized letter gets read differently than silence. And most people never send one because they don't know what to say. We fix that.

Financial assistance (charity care) is required of nonprofit hospitals under federal rules. Policies and income limits vary. For-profit hospitals may offer different programs. If your situation is complex or high-stakes, consult a qualified professional.

Questions

Review it carefully, attach any supporting documents, and submit via certified mail (with return receipt) or your hospital/insurer's official portal. Keep proof of submission.

Yes — certified mail with return receipt is strongly recommended. It creates a paper trail and shows the hospital or insurer that you are serious and organized.

For hardship: recent pay stubs or proof of income, the hospital bill, any existing payment plan correspondence. For appeals: the denial letter, a letter of medical necessity from your doctor if you have one, and any prior correspondence with your insurer.

Hospital hardship programs typically respond in 2–6 weeks. Insurance appeals vary: internal appeals should get a response within 30–60 days under federal rules. Expedited appeals (for urgent situations) must be answered within 72 hours.

Charity care rules under IRS 501(r) apply to nonprofit hospitals and are federally required. Many for-profit hospitals offer assistance voluntarily, but policies vary significantly. We write the strongest letter based on what you tell us about your hospital and situation.

Tell us in your intake form. We prioritize urgent situations. Insurance internal appeals typically have 180 days from the denial date; some plans differ. If your deadline is under 48 hours, contact us directly.

If we fail to deliver your letter within the timeframe stated on your order, you receive a full refund. Once delivered, letters are final — they are customized to the information you provided and cannot be returned.

Your hospital sent
a bill you can't pay.
We'll write the letter
that fights back.