Hardship Letter Insurance Elective Surgery

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

{Date}

To Whom It May Concern:

I am writing this letter to request leniency concerning my insurance policy's approach to {medical operation}. It is listed as an "elective surgery" and therefore not permissible for coverage according to my current policy. However, if I do not get this operation, I will be {too sick to work/in horrible pain/disabled/unable to care for my family, etc.}

{Medical operation} is considered an elective surgery most of the time because it is mostly used for {reason}. I have been sick for {amount of time} with {illness/injury} and I have already tried {alternative one} and {alternative two}. {Medical operation} is my last chance at {recovery option}. Although it is not a guarantee of success, it has a higher chance of helping my condition than anything else available to me. If it is not covered by my insurance, then {brief description of repercussions}.

I am attaching a doctor's note outlining my situation and the important nature of this surgery in my particular case. Thank you for your consideration and understanding.

Thank you,

{Sender Name}

Index of Hardship Letter Examples