CO-45 Denial Code Appeal
CO-45 means the charge was above the price your plan agreed to pay, so the extra amount is usually not yours to owe. Build an appeal letter to the billing office or your insurer in a few minutes.
Works with any U.S. insurance plan. Appeal deadlines differ by plan and state, so check the date on your denial letter. Find free or sliding-scale help near you.
New to CO-45? See every CO-45 resource in one place.
Appeal Letter Builder
Paste your medical bill, EOB, or denial letter — we'll spot the strongest appeal angle and draft a professional letter grounded in your actual document.
Paste your bill or denial
We'll read the text, spot the strongest angle, and draft a letter for you.
Draft letter
Edit anything below before you copy or download. Review every detail.
Paste your bill or denial and hit Generate. Your drafted letter will appear here.