Network exception builder
Build a request to cover out-of-network care at in-network cost when the network cannot provide what you need.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. The care you need and why no in-network provider can give it.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It writes a request for you to review and send. Plans decide these case by case.
Which letter do you need?
The most common reasons
Or, if this is you
More reasons1
Not sure which one fits? Match the wording on your letter to a reason.
Choose one above and the letter appears here.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. The care you need and why no in-network provider can give it.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It writes a request for you to review and send. Plans decide these case by case.
Related guides and checklists
- Guide
Ambulance bills
Air ambulance bills are covered by the federal No Surprises Act. Ground ambulance bills are not. Here is what to do about an ambulance bill or a denied ambulance claim.
- Guide
Emergency room claim denied
What to do when your plan denies or reduces an emergency room claim. Learn the prudent layperson standard and why a plan cannot require prior approval for emergency care.
- Guide
Out-of-network denials and network gap exceptions
What to do when your plan denies or underpays care because the provider is out of network. Learn about network gap exceptions, continuity of care and the cases federal law protects.
- Guide
Out-of-network underpayment
Your plan paid an out-of-network claim but far less than the provider charged. Learn how plans set the allowed amount and how to use price benchmarks in a dispute.
- Guide
Surprise bills and the No Surprises Act
Who the federal No Surprises Act protects, which out-of-network bills it bars, which it does not, and how to complain to the No Surprises Help Desk.
- Checklist
Surprise bill response
How to check whether the No Surprises Act protects you from an unexpected out-of-network bill, who to ask to fix it, and where to complain.