what should your cover letter have

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How to write a great cover letter in 2024: tips and structure

A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

• Pronouns (optional)
• Location (optional)
• Email address
• Phone number (optional)
• Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

• They want someone who can write social media posts and blog content on tight deadlines
• They value collaboration and input from every team member
• They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

• Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
• Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
• Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
• Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
• Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
• Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
• Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
• Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
• Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
• Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
• Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
• Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
• Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
• Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
• Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

Ace your job search

Explore effective job search techniques, interview strategies, and ways to overcome job-related challenges. Our coaches specialize in helping you land your dream job.

Elizabeth Perry, ACC

Elizabeth Perry is a Coach Community Manager at BetterUp. She uses strategic engagement strategies to cultivate a learning community across a global network of Coaches through in-person and virtual experiences, technology-enabled platforms, and strategic coaching industry partnerships. With over 3 years of coaching experience and a certification in transformative leadership and life coaching from Sofia University, Elizabeth leverages transpersonal psychology expertise to help coaches and clients gain awareness of their behavioral and thought patterns, discover their purpose and passions, and elevate their potential. She is a lifelong student of psychology, personal growth, and human potential as well as an ICF-certified ACC transpersonal life and leadership Coach.

3 cover letter examples to help you catch a hiring manager’s attention

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Cover Letter Format (w/ Examples & Free Templates)

Give someone who knows nothing about cooking the ingredients to a perfect meal and you’ll end up with a disorganized, very possibly inedible, meal. 

The same disorganized, quite possibly tasteless, fate awaits your cover letter if you don’t know how to properly format it. 

Getting the cover letter format right is the same as having those coveted cooking skills that can turn the right ingredients into a meal that leaves you wanting more.

Now, if you’re wondering whether your formatting skills are enough to impress recruiters, there’s no need to worry. 

This article is going to show you exactly how to format a cover letter the right way. 

Here’s what we’re going to cover: 

• What Should Go On a Cover Letter?
• How to Format Your Cover Letter
• (Free) Cover Letter Templates You Can Use
• How to Format Your Cover Letter When Sending It Via Email

The Best Cover Letter Format - What Goes on a Cover Letter

Your cover letter’s format is both how your cover letter looks and how it’s structured. 

So, cover letter formatting includes everything from page margins, spacing, and font size to how long your cover letter should be, how many paragraphs it should have, and what each paragraph should contain. 

Pretty substantial, if you ask us - which is exactly why we’ll go over these elements one by one. Before we do, however, let’s first get the essentials out of the way. 

What exactly goes into a cover letter? The short answer is as follows:  

• A header , which contains your contact information and the employer’s or recruiter’s contact information.
• A greeting to the recruiter and the opening paragraph , which you want to use to grab the reader’s attention.
• The body of your cover letter , which is between 1-3 paragraphs.
• A closing paragraph , which usually contains a call to action.
• A formal salutation .

And here’s what that looks like in practice: 

A Look into Your Cover Letter Format, by Section

In theory, all these rules are pretty straightforward...

But if you’ve ever written a cover letter before, you’ll probably agree with us that actually writing one ain’t all that simple.

In this section, we’ll take you through the entire process of creating a cover letter, section by section!

Starting with:

#1. Header 

Your cover letter’s header should contain your contact info, the date, and the hiring manager’s or employer’s contact info. 

If you’re wondering which contact information you should include and which you should leave out, here are the essentials: 

• Full name and professional title (where applicable) 
• Phone number
• Name and professional title of the hiring manager
• Name of the company you’re applying to 
• Company address 

Here’s a visual representation of this: 

If you want to know more about header formatting, such as what you can optionally include and what you should definitely leave out, head over to our guide on how to start a cover letter . 

#2. Greeting 

After listing your contact information, it’s time to address the cover letter . 

First things first: the impersonal and overly popular “To Whom It May Concern” and “Dear Sir/Madam” are yesterday’s news. They’re impersonal and just about every other applicant uses them. 

And you want your cover letter to stand out, right?

So, greet the hiring manager directly, instead. For example: 

Dear Mr. Brown, Dear Mrs. Waldorf,

If, however, you are unsure about their title, gender, marital status, or pronouns, use their entire name to avoid any mistakes, such as: 

Dear Alex Brown, Dear Blair Waldorf,

Alternatively, the recruiter may hold a title, such as Doctor, Professor, or sergeant, or you might be addressing a letter without a contact person. 

In such cases, here are some do-s and don’t-s to keep in mind: 

Dear John Doe, Dear Mr./Mrs. Doe, Dear Dr. Leonard, Dear Rev. Owen, Dear Marketing Hiring Team, Dear Director of Marketing,

To Whom It May Concern, What’s Up Hiring Team, Dear Sir/Madam, Hey John, Hi there Hiring Team,

#3. Opening Paragraph 

The opening paragraph of your cover letter is where the recruiter first gets to really hear your voice. As such, you’ve got to make it count and grab their attention before they move on to the next applicant.  

And how exactly do you do that? Well, for starters, avoid being generic. You don’t want your opening paragraph to sound as if you’re applying to dozens of jobs with the same letter.

Instead, you want your opening paragraph to mention:

• Your name, profession, and years of experience.
• 1-2 of your top achievements (to help you stand out).
• The name of the firm and position you’re applying for.

Here’s what this would look like in a cover letter:

My name is Ellen and I’d like to join Company X as a marketing expert. I believe that my 5+ years of experience as a marketing specialist, as well as my skills in PPC management and copywriting, will help me drive new users to your platform Additionally, I believe that my past experience in the financial industry will help me excel at the role.

Struggling with writing your own cover letter introduction? Check out our guide on how to start a cover letter effectively! 

#4. Cover Letter Body 

The body of your cover letter usually consists of 1-3 paragraphs and is where you convince the recruiter that you're the right person for the job.

We have a few pointers to help you do that:

• Don’t just rehash your CV. The recruiter already read it. Instead, use your cover letter to elaborate on your achievements and back them up with even more evidence. 
• Understand the job requirements. Check the requirements for the position in the job listing, see how you can match them with your strengths and qualifications, and use the body of your cover letter to show you’re a good fit for the job. 
• Research the company. Also important is to show that you match the company’s culture. Read up about the company you’re applying for and learn what’s their product/service, what are they known for, what kind of culture they have, and so on. Then, in your cover letter, mention a bit about the company’s culture and talk about how you’re a good fit.

And here’s hows the body of your cover letter would look like in practice: 

In my previous role as a Marketing Expert, I also handled the company’s Digital Marketing. During the course of one year, I managed the company’s monthly Facebook ad budget, which amounted to $20,000+ and the process of ad creation and management end-to-end. The process involved creating ad copies, images, picking out the targeting, running optimization trials, and so on. 

In addition to Facebook advertising, I am also knowledgeable in other Pay Per Click channels, such as: 

I actually learned a lot about PPC management basics from your company YouTube channel, and really admire how you guys manage your ad accounts. Since I’m already familiar with how Company X handles ads, I believe that I’d be able to really excel at the role.

#5. Closing Paragraph (And a Call to Action) 

Now, how you end a cover letter is just as important as how you start it. 

As you wrap up your cover letter, it’s important to do the following:

• Mention anything that you couldn’t in the previous paragraphs . If you have anything left to say, mention it here. 
• Thank the hiring manager for their time . Good manners go a long way. 
• Finish the cover letter with a call to action . Your cover letter’s last sentence should be a call to action, such as asking the hiring manager to take some sort of action. 

Here’s an example of that: 

In conclusion, thank you for considering my application. I hope I have the chance to help your company take its marketing initiatives to the next level. It would be great to discuss how my experience so far can make that a reality. 

As for your formal salutation, you can use any of the following “tried and tested” greetings: 

• Best Regards,
• Kind Regards,

Cover Letter Format Guide 

We went over what goes in your cover letter section by section. However, how your cover letter looks on the outside is just as important. 

Following some standard formatting tips will show the hiring manager that you took the time and put in the effort to hand in the best version of a cover letter, which is sure to help your case. 

Here are the rules that you need to follow: 

• Keep your cover letter between half and one page in length to make sure the recruiter actually reads the whole thing (if you had to read 100+ cover letters, you’d want applicants to stick to one page too). That’s between 250-400 words long . 
• Use 1 or 1.5 line spacing throughout your text , and double spacing between paragraphs. 
• Go for a simple and readable font and set your font size to 11 or 12 pts . Using custom fonts may seem like a good idea, but there’s no guarantee the hiring manager’s computer will have that specific font installed.
• Save your cover letter in PDF format to make sure the layout stays the same despite the type of software or Operating System (OS) that opens it. 

Or Choose One of Our Cover Letter Templates 

The cover letter is an inseparable part of any application package. As such, you want your cover letter format to be as impeccable as possible. 

And while the formatting rules we’ve listed above aren’t complicated to follow, you’d rather not take any risks with your cover letter format.  

Want to make sure that your cover letter format is impeccable?

Just use a cover letter template!

The format is done for you - all you have to do is fill in the contents. 

Our cover letter templates are well-designed and guaranteed to leave a good impression on the recruiter!

On top of that, all of our templates come with a matching resume template , ensuring that your job application stands out from the rest.

Sending Your Cover Letter Via Email? Here’s How To Do It! 

It’s safe to assume that nowadays, most cover letters are sent via email. That means that you’re probably submitting your email in one of two ways: 

• Sending it as an email attachment.
• Uploading it to the company’s webpage.

If that’s the case, you’re good with the formatting rules listed above. 

If, however, you’re sending your cover letter in the body of the email, here’s what you need to do differently: 

• Write a professional subject line. The best and safest formula is “Name - Position you’re applying to” (e.g. “Helen Simms - Application for Marketing Expert Position”).
• Remove the header. As the hiring manager’s contact details and the date are no longer necessary, remove the header altogether and place your contact information underneath the formal salutation. 
• Look out for typos. Check your cover letter and then double-check it. Typing on a keyboard can be tricky; sometimes, a typo might just be a matter of fast typing. Avoid that by being extra careful. 

And you’re about ready to press “Send.”

Key Takeaways

Your cover letter format is a big part of the impression your job application can make. As such, it’s important to get the formatting right. 

Here are the main points this article covers to achieve that: 

• Make sure to structure your cover letter the right way. 
• Address your cover letter the right way and write an attention-grabbing opening paragraph.
• Wrap up your cover letter with a call to action. 
• Pay attention to the margins, space lining, font size, and cover letter length.
• If you’re sending your cover letter as the body of your email, make sure to tweak the formatting accordingly.  

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Parts of a Cover Letter: A Detailed Breakdown of 6 Must-Have Sections

3 takeaways

• Learn each part of a cover letter and proper cover letter structure
• Discover how to correctly write each section of your cover letter 
• The best method for generating personalized cover letters in seconds with the Teal AI Resume Builder

When you’re job searching, writing a cover letter can be one of the most discouraging tasks on the list. After all, you’ve already bookmarked the job you want, researched the company, and tailored the perfect resume to match the job description. 

And now, you need to find the time (and energy) to fit all that information into a single-page cover letter.

But by knowing all the parts of a cover letter, along with how to write them, you’ll have a massive head start in the application process. 

What are the parts of a cover letter?

Before you get started creating your cover letter sections, it's important to know the main parts of a professional cover letter. Here they are in order:

• Salutation (or greeting)
• Opening paragraph
• Closing paragraph

Struggling to land interviews with your current resume and cover letter? Get started with Teal’s AI Resume Builder today.

Just like there are resume sections , cover letters have sections, too.  So, first things first: should a cover letter have a header? Absolutely. 

More than just a list of ways to reach you, the header of your cover letter is your first branding opportunity. It should mirror the header of your resume to frame your application as a polished and cohesive package. 

This symmetry isn't just visually appealing; it shows a deliberate and meticulous approach to your job application.

But what should be on a cover letter header?

The key elements of a cover letter header include your:

• Email address
• LinkedIn URL (Optional)
• Phone number

Here’s an example: 

Consider adding a link to your professional online profile, like LinkedIn, especially if you’re applying for a remote job. 

Note: Even if you’re sending an email cover letter, you should attach your letter as a PDF. First, it’s just easier to format. Second, it helps the hiring manager print or share this document with other decision-makers. 

Following the date, you’ll want to add the:

• Name of the hiring manager 
• The company you’re applying to 

Here’s what this looks like: 

2. Salutation

When you’re on the hunt for a new job, first impressions matter. This is what makes the cover letter salutation so important.

This is where writing a personalized cover letter begins and where you demonstrate your interest and effort in connecting with the company on a human level. Directly addressing the hiring manager is highly recommended when you know their name. It signals respect, shows that you've done your homework, and positions you as a candidate who values personal engagement.

Why not just start your cover letter as “To whom it may concern”? 

Because in today's job market, where a lot of applications flood an inbox, a personalized greeting helps you stand out. It sets a tone of attentiveness and immediately tells the hiring manager that you pay attention to detail. 

Even this little gesture can transform a generic cover letter from a one-size-fits-all document into a tailored conversation starter that resonates with the person responsible for filling the role.

How to find the hiring manager's name

Finding the hiring manager’s name may seem difficult, but it’s often simpler than you think. 

Here are some strategies to uncover this key piece of information:

• LinkedIn : The professional network is your first port of call. Search for the company and sift through employee listings, focusing on those with titles like “Hiring Manager,” “Recruitment Officer,” or specific department heads if you’re applying for a specialized position.
• Company website : Sometimes, the information is hidden in plain sight on the company’s ‘Team’ or ‘About Us’ page. Larger companies might list their staff, job titles, and contact information.
• Calling in : A direct approach can be the most effective. Call the company’s front desk or HR department. Be polite, introduce yourself, and explain that you wish to address your cover letter appropriately. Most will be happy to help.
• Networking outreach : Rely on your network. Ask colleagues or mentors if they know who the hiring manager might be for the position you're eyeing. A mutual connection can often provide you with the name you need.
• Social media scan : Companies often post about their team and new hires on platforms like LinkedIn, Twitter, or Instagram. A quick search might yield the right name.

If you can’t find the hiring manager's name despite your best efforts, opt for a polite and general salutation like “Dear hiring manager” or “Dear hiring team” over the impersonal “To whom it may concern.” 

This retains a level of personalization and respect for the team's collaborative hiring effort. It also sets you apart from the many others who simply wrote: “to whom it may concern.”

Write the elements of a cover letter with Teal's AI

Before you start writing the main parts of your cover letter, consider using Teal instead.

Teal’s cover letter generator pulls from the information you added to a specific resume (also extracting the main keywords and details from the job posting you’re applying to) to align your content. Then, in just a click, you’ll have a great cover letter written before your eyes.

3. Opening paragraph

The opening paragraph of your cover letter is your chance to captivate the reader's interest and set the stage for your narrative. 

When it comes to your cover letter format , this section should include a succinct introduction of who you are, a brief mention of the position you’re applying for, and a compelling reason why the role aligns perfectly with your skills and career aspirations. 

How to grab your reader’s attention in the opening paragraph

To make your entrance memorable, the opening paragraph must do more than introduce – it must intrigue. Here’s how to ensure it does that:

• Start with a bang : Lead with a strong statement or a striking fact about your career achievements. Alternatively, a concise, bold expression of your enthusiasm for the company can be just as effective.
• Show, don't tell : Use a mini anecdote or a powerful example from your experience that reflects your capabilities and mirrors the values or needs of the company.
• Tailor your tone : Match the tone of your writing to the culture of the company. A startup might appreciate a more casual and innovative opener, while a traditional firm might respect a formal and straightforward approach.
• Add some flair : Add a touch of your personality without overshadowing your professionalism. Make sure it’s a blend that conveys your unique professional identity.
• Research results : Mention something recent about the company that impressed you, showing you’re up-to-date and genuinely interested in what they do.
• Give the why and the what : Clearly articulate why you’re excited about the role and what you bring to the table – this is your unique value proposition.

Example of cover letter content for an opening paragraph

“Imagine a marketing strategy so engaging that it doesn't just capture attention but creates a movement. That's been the hallmark of my approach as a Marketing Manager for the past decade, where I've increased brand engagement by an average of 65% year-over-year. Inspired by [Company Name]'s recent groundbreaking campaign on sustainability—a subject close to my heart since I was just a kid—I am eager to bring my expertise in crafting compelling narratives to the role of Head of Marketing.”

You can find more cover letter samples in these marketing manager cover letter examples .

What makes this a strong opening:

• Engages with storytelling: The opening verb is “Imagine,” which is much more engaging than something more traditional, like “My name is…”
• Quantifiable achievements: It includes a specific, measurable achievement (increasing brand engagement by 65% year-over-year), which adds credibility to the applicant’s claims and showcases a track record of success.
• Personal connection: There’s a personal touch with the mention of a lifelong passion for sustainability, making the applicant’s interest in the company feel genuine and deeply rooted.
• Alignment with company values: The reference to the company’s campaign on sustainability suggests that the applicant has done their research and shares the company’s values, implying a natural cultural fit.
• Focus on contribution: By stating a desire to bring expertise in crafting compelling narratives, the applicant immediately addresses how they can contribute to the company’s success rather than just what they wish to gain from the position.

If you can get all of those qualities to shine through in your cover letter, you’ll be more likely to get the reader over to the body of your cover letter. 

Your cover letter body is the meat of your message. It's where you dive into your professional journey, aligning your skills and experiences with the needs of the job at hand. 

This part should be structured in a clear and compelling manner, usually composed of one to three paragraphs, each serving a distinct purpose. 

The first paragraph should connect your past successes to the potential future contributions you'll make to the company. Subsequent paragraphs , like the second or third paragraph , can be used to go further into your relevant skills, experiences, and achievements while also reflecting your knowledge of the company’s goals and challenges.

How to showcase relevant skills and experiences

Here’s how to write a cover letter body that resonates with hiring managers:

• Customize and contextualize : Tailor each example of your experience to mirror the job description. It’s about relevance—show the reader why and how your background prepares you for the specific role.
• Quantify your impact : Use numbers and metrics to give weight to your achievements. Whether it’s increasing sales by a certain percentage or reducing costs through innovative solutions, numbers speak louder than words .
• Problem, action, result (PAR) method : For each skill or experience you share, present the problem you encountered, the action you took, and the result of your efforts. This method illustrates your thought process and problem-solving skills.
• Align with the company's vision : Show that you’ve done your homework by relating your experience to the company's current projects or goals. This demonstrates not just alignment but also initiative and forward-thinking.
• Storytelling with substance : Craft your experiences into a narrative that’s engaging. Your goal is to lead the reader on a journey that showcases growth, impact, and relevance to the role.
• Be concise, be clear : Avoid jargon and overly complex language. The body of your cover letter should be easy to read and understand, ensuring that your points are made without confusion.

Example of what should be in a cover letter body

During my tenure with XYZ Corp, a pioneer in eco-friendly packaging, I spearheaded a transition that faced significant initial resistance both internally and from our customer base. The challenge was formidable: to reframe the public's perception of sustainable packaging from a costly alternative to a savvy, consumer-driven choice. My strategy was to launch an educational campaign that highlighted not just the environmental impact but also the long-term economic benefits. This initiative not only garnered a 120% increase in consumer engagement but also positioned XYZ Corp as a thought leader in the market. In my most recent project, I led a cross-functional team to address a 15% slump in market share due to increased competition. By instituting a thorough competitor analysis and customer feedback loop, we identified key areas where our messaging fell flat. I orchestrated a brand revitalization campaign focused on our core strengths, infused with customer success stories. The result was a 25% market share rebound within the first quarter post-campaign. In each role, I've aligned my actions not only with the company's immediate goals but with a visionary outlook. For instance, anticipating the rise of AI in marketing, I initiated a successful pilot program at XYZ Corp that utilized machine learning to personalize customer interactions, leading to a 30% uptick in customer retention rates.

But remember, not every cover letter will focus on the same information. You’ll need to craft your cover letter according to the specific job you’re applying to. 

While this level of personalization may seem tedious, it’s absolutely necessary. 

5. Closing paragraph

One of the last main parts of a professional cover letter , the closing paragraph, isn’t just a summary but a strategic push to get you into the interview room. This part should reiterate your interest in the position, succinctly summarize why you’re the right fit, and express your enthusiasm about the potential to contribute to the company. 

It's also the place to include a call to action, such as expressing your desire to discuss your application in more detail in a personal interview.

How to end the cover letter on a strong note

• Reaffirm your value : Concisely restate how your skills and experiences align with the job and can benefit the company.
• Personal touch : Express genuine enthusiasm and confidence in your ability to perform the role. Let them feel your eagerness and readiness to take on the challenges it presents.
• Call to action : Encourage the hiring manager to take the next step. You can say you look forward to the opportunity to discuss how you can contribute to their team or that you're eager to provide further details on how you can help achieve their goals.

Closing paragraph example in a cover letter

I am excited to contribute to [Company Name]'s innovative marketing efforts. My skill set aligns seamlessly with the objectives of the Head of Marketing position. I am eager to apply my expertise in strategic planning and digital engagement to drive impactful campaigns that resonate with your brand's vision, and I look forward to discussing how my experience and insights can support your company's success. Thank you for considering my application, and I am hopeful for the opportunity to discuss collaboration in person.

If you're looking for more inspiration, check out this comprehensive database of 1300+ cover letter examples .

6. Sign-off

A professional sign-off sets the tone for how your cover letter is received. It's the equivalent of the final handshake after a successful meeting—it should convey respect and formality. 

Here's how you can ensure your sign-off strengthens your application:

• Choose the right closing : "Sincerely," "Best regards," and "Kind regards" are safe and professional options. If the company culture is more casual, "Best" or "Warm regards" may be suitable.
• Include your full name : Your sign-off should always include your full name to ensure clarity and formality. If you've established a personal connection with the hiring manager, adding a handwritten signature above your typed name can add a personal touch.
• Professional contact details : Beneath your name, include your professional contact details, such as your phone number and email address, and LinkedIn profile URL to facilitate easy follow-up.

The best way to write a cover letter 

Again, if writing a cover letter is your least favorite part of the job application, you’re not alone. It can be difficult to take all the bullet-point information from a resume and turn that into a single page of compelling and persuasive text. 

From getting the cover letter format just right to writing the actual information, it’s not an easy task. 

That’s why, with a tool like Teal’s cover letter generator , there’s simply no excuse for not having a personalized cover letter with each application. 

Simply build your resume, and with the click of a button, you can have a polished and personalized cover letter in seconds. 

Sign up for Teal today to give it a try!

Frequently Asked Questions

How long should each section of a cover letter be to maintain the reader's interest, can i include bullet points in the body of my cover letter to highlight my achievements, is it necessary to address the cover letter to a specific person, and what if i can't find a name.

Nathan Thompson

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How to Write a Cover Letter That Will Get You a Job

I ’ve read thousands, maybe tens of thousands, of cover letters in my career. If you’re thinking that sounds like really boring reading, you’re right. What I can tell you from enduring that experience is that most cover letters are terrible — and not only that, but squandered opportunities. When a cover letter is done well, it can significantly increase your chances of getting an interview, but the vast majority fail that test.

So let’s talk about how to do cover letters right.

First, understand the point of a cover letter.

The whole idea of a cover letter is that it can help the employer see you as more than just your résumé. Managers generally aren’t hiring based solely on your work history; your experience is crucial, yes, but they’re also looking for someone who will be easy to work with, shows good judgment, communicates well, possesses strong critical thinking skills and a drive to get things done, complements their current team, and all the other things you yourself probably want from your co-workers. It’s tough to learn much about those things from job history alone, and that’s where your cover letter comes in.

Because of that …

Whatever you do, don’t just summarize your résumé.

The No. 1 mistake people make with cover letters is that they simply use them to summarize their résumé. This makes no sense — hiring managers don’t need a summary of your résumé! It’s on the very next page! They’re about to see it as soon as they scroll down. And if you think about it, your entire application is only a few pages (in most cases, a one- or two-page résumé and a one-page cover letter) — why would you squander one of those pages by repeating the content of the others? And yet, probably 95 percent of the cover letters I see don’t add anything new beyond the résumé itself (and that’s a conservative estimate).

Instead, your cover letter should go beyond your work history to talk about things that make you especially well-suited for the job. For example, if you’re applying for an assistant job that requires being highly organized and you neurotically track your household finances in a detailed, color-coded spreadsheet, most hiring managers would love to know that because it says something about the kind of attention to detail you’d bring to the job. That’s not something you could put on your résumé, but it can go in your cover letter.

Or maybe your last boss told you that you were the most accurate data processor she’d ever seen, or came to rely on you as her go-to person whenever a lightning-fast rewrite was needed. Maybe your co-workers called you “the client whisperer” because of your skill in calming upset clients. Maybe you’re regularly sought out by more senior staff to help problem-solve, or you find immense satisfaction in bringing order to chaos. Those sorts of details illustrate what you bring to the job in a different way than your résumé does, and they belong in your cover letter.

If you’re still stumped, pretend you’re writing an email to a friend about why you’d be great at the job. You probably wouldn’t do that by stiffly reciting your work history, right? You’d talk about what you’re good at and how you’d approach the work. That’s what you want here.

You don’t need a creative opening line.

If you think you need to open the letter with something creative or catchy, I am here to tell you that you don’t. Just be simple and straightforward:

• “I’m writing to apply for your X position.”

• “I’d love to be considered for your X position.”

• “I’m interested in your X position because …”

• “I’m excited to apply for your X position.”

That’s it! Straightforward is fine — better, even, if the alternative is sounding like an aggressive salesperson.

Show, don’t tell.

A lot of cover letters assert that the person who wrote it would excel at the job or announce that the applicant is a skillful engineer or a great communicator or all sorts of other subjective superlatives. That’s wasted space — the hiring manager has no reason to believe it, and so many candidates claim those things about themselves that most managers ignore that sort of self-assessment entirely. So instead of simply declaring that you’re great at X (whatever X is), your letter should demonstrate that. And the way you do that is by describing accomplishments and experiences that illustrate it.

Here’s a concrete example taken from one extraordinarily effective cover-letter makeover that I saw. The candidate had originally written, “I offer exceptional attention to detail, highly developed communication skills, and a talent for managing complex projects with a demonstrated ability to prioritize and multitask.” That’s pretty boring and not especially convincing, right? (This is also exactly how most people’s cover letters read.)

In her revised version, she wrote this instead:

“In addition to being flexible and responsive, I’m also a fanatic for details — particularly when it comes to presentation. One of my recent projects involved coordinating a 200-page grant proposal: I proofed and edited the narratives provided by the division head, formatted spreadsheets, and generally made sure that every line was letter-perfect and that the entire finished product conformed to the specific guidelines of the RFP. (The result? A five-year, $1.5 million grant award.) I believe in applying this same level of attention to detail to tasks as visible as prepping the materials for a top-level meeting and as mundane as making sure the copier never runs out of paper.”

That second version is so much more compelling and interesting — and makes me believe that she really is great with details.

If there’s anything unusual or confusing about your candidacy, address it in the letter.

Your cover letter is your chance to provide context for things that otherwise might seem confusing or less than ideal to a hiring manager. For example, if you’re overqualified for the position but are excited about it anyway, or if you’re a bit underqualified but have reason to think you could excel at the job, address that up front. Or if your background is in a different field but you’re actively working to move into this one, say so, talk about why, and explain how your experience will translate. Or if you’re applying for a job across the country from where you live because you’re hoping to relocate to be closer to your family, let them know that.

If you don’t provide that kind of context, it’s too easy for a hiring manager to decide you’re the wrong fit or applying to everything you see or don’t understand the job description and put you in the “no” pile. A cover letter gives you a chance to say, “No, wait — here’s why this could be a good match.”

Keep the tone warm and conversational.

While there are some industries that prize formal-sounding cover letters — like law — in most fields, yours will stand out if it’s warm and conversational. Aim for the tone you’d use if you were writing to a co-worker whom you liked a lot but didn’t know especially well. It’s okay to show some personality or even use humor; as long as you don’t go overboard, your letter will be stronger for it.

Don’t use a form letter.

You don’t need to write every cover letter completely from scratch, but if you’re not customizing it to each job, you’re doing it wrong. Form letters tend to read like form letters, and they waste the chance to speak to the specifics of what this employer is looking for and what it will take to thrive in this particular job.

If you’re applying for a lot of similar jobs, of course you’ll end up reusing language from one letter to the next. But you shouldn’t have a single cover letter that you wrote once and then use every time you apply; whatever you send should sound like you wrote it with the nuances of this one job in mind.

A good litmus test is this: Could you imagine other applicants for this job sending in the same letter? If so, that’s a sign that you haven’t made it individualized enough to you and are probably leaning too heavily on reciting your work history.

No, you don’t need to hunt down the hiring manager’s name.

If you read much job-search advice, at some point you’ll come across the idea that you need to do Woodward and Bernstein–level research to hunt down the hiring manager’s name in order to open your letter with “Dear Matilda Jones.” You don’t need to do this; no reasonable hiring manager will care. If the name is easily available, by all means, feel free to use it, but otherwise “Dear Hiring Manager” is absolutely fine. Take the hour you just freed up and do something more enjoyable with it.

Keep it under one page.

If your cover letters are longer than a page, you’re writing too much, and you risk annoying hiring managers who are likely sifting through hundreds of applications and don’t have time to read lengthy tomes. On the other hand, if you only write one paragraph, it’s unlikely that you’re making a compelling case for yourself as a candidate — not impossible, but unlikely. For most people, something close to a page is about right.

Don’t agonize over the small details.

What matters most about your cover letter is its content. You should of course ensure that it’s well-written and thoroughly proofread, but many job seekers agonize over elements of the letter that really don’t matter. I get tons of  questions from job seekers  about whether they should attach their cover letter or put it in the body of the email (answer: No one cares, but attaching it makes it easier to share and will preserve your formatting), or what to name the file (again, no one really cares as long as it’s reasonably professional, but when people are dealing with hundreds of files named “resume,” it’s courteous to name it with your full name).

Approaching your cover letter like this can make a huge difference in your job search. It can be the thing that moves your application from the “maybe” pile (or even the “no” pile) to the “yes” pile. Of course, writing cover letters like this will take more time than sending out the same templated letter summarizing your résumé — but 10 personalized, compelling cover letters are likely to get you more  interview invitations  than 50 generic ones will.

• ‘I Had a Great Job Interview — Why Haven’t I Heard Back?’
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What Does Medicare Not Cover? Seven Things You Should Know

Medicare Part A and Part B leave gaps in your health care coverage. But Medicare Advantage has problems, too.

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Medicare Part A and Part B, also known as Original Medicare or Traditional Medicare, cover a large portion of your medical expenses after you turn 65. Part A (hospital insurance) helps pay for inpatient hospital stays, stays in skilled nursing facilities, surgery, hospice care and even some home health care. Part B (medical insurance) helps pay for doctors' visits, outpatient care, some preventive services, and some medical equipment and supplies. Most folks can start signing up for Medicare three months before the month they turn 65.

It's important to understand that Medicare Part A and Part B leave some pretty significant gaps in your health-care coverage. This is why increasing numbers of Medicare beneficiaries choose to go with Medicare Advantage, which purports to fill some of those gaps.

A private plan through Medicare Advantage can offer more benefits and lower premiums. But a recent report from the Office of Inspector General found that some beneficiaries of Medicare Advantage are denied necessary care.

Here's a closer look at what isn't covered by traditional Medicare, plus information about supplemental insurance policies, Medicare Advantage and strategies that can help cover the additional costs, so you don't end up with unexpected medical bills in retirement.

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1. Does Medicare cover prescription drugs?

Medicare doesn’t provide coverage for outpatient prescription drugs, but you can buy a separate Part D prescription drug policy that does, or a Medicare Advantage plan that covers both medical and drug costs. (Some retiree health-care policies cover prescription drugs, too). You can sign up for Part D or Medicare Advantage coverage when you enroll in Medicare or when you lose other drug coverage. And you can change policies during open enrollment season each fall. Compare costs and coverage for your specific medications under either a Part D or Medicare Advantage plan by using the Medicare Plan Finder .

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2. Does Medicare cover long-term care?

One of the largest potential expenses in retirement is the cost of long-term care . The median cost of a private room in a nursing home was roughly $120,304 in 2024 (according to Genworth estimates cited by SeniorLiving.org ); a room in an assisted-living facility costs $66,126, and a home health aide costs $213 per day.

Medicare provides coverage for some skilled nursing services but not for custodial care, such as help with bathing, dressing and other activities of daily living . But you can buy long-term-care insurance or a combination long-term-care and life insurance policy to cover these costs.

You can also get a long-term care rider on an annuity , which could help defray the cost of long-term care.

3. Does Medicare cover deductibles and co-pays?

Medicare Part A covers hospital stays, and Part B covers doctors’ services and outpatient care. But you’re responsible for deductibles and co-payments. In 2024, you’ll have to pay a Part A deductible of $1,632 before coverage kicks in, and you’ll also have to pay a portion of the cost of long hospital stays — $408 per day for days 61-90 in the hospital and $816 per day after that. Be aware: Over your lifetime, Medicare will only help pay for a total of 60 days beyond the 90-day limit, called “lifetime reserve days,” and thereafter you’ll pay the full hospital cost.

Part B typically covers 80% of doctors’ services, lab tests and x-rays, but you’ll have to pay 20% of the costs after a $240 deductible in 2024. A Medigap (Medicare supplement) policy or Medicare Advantage plan can fill in the gaps if you don’t have the supplemental coverage from a retiree health insurance policy. Medigap policies are sold by private insurers and come in 10 standardized versions that pick up where Medicare leaves off. If you buy a Medigap policy within six months of signing up for Medicare Part B, then insurers can’t reject you or charge more because of preexisting conditions. See Compare Medigap Plan Benefits at Medicare.gov for more information. Medicare Advantage plans provide both medical and drug coverage through a private insurer, and they may also provide additional coverage, such as vision and dental care. You can switch Medicare Advantage plans every year during open enrollment season.

4. Does Medicare cover dental care?

Medicare doesn’t provide coverage for routine dental visits, teeth cleanings, fillings, dentures or most tooth extractions. Some Medicare Advantage plans cover basic cleanings and X-rays, but they generally have an annual coverage cap of about $1,500. You could also get coverage from a separate dental insurance policy or a dental discount plan. An alternative is to build up money in a health savings account (HSA) before you enroll in Medicare; you can use the money tax-free for medical, dental and other out-of-pocket costs at any age (you can’t make new contributions to an HSA after you sign up for Medicare).

5. Does Medicare cover routine vision care?

Medicare generally doesn’t cover routine eye exams or glasses (exceptions include an annual eye exam if you have diabetes or eyeglasses after having certain kinds of cataract surgery). But some Medicare Advantage plans provide vision coverage, or you may be able to buy a separate supplemental policy that provides vision care alone or includes both dental and vision care. If you set aside money in a health savings account before you enroll in Medicare, you can use the money tax-free at any age for glasses, contact lenses, prescription sunglasses and other out-of-pocket costs for vision care.

6. Does Medicare cover hearing aids?

Hearing aids are critical for maintaining a healthy brain for those with hearing loss. A recent study found that hearing aids lowered the rate of cognitive decline in older adults at high risk of dementia by almost 50%. 

Medicare doesn’t cover routine hearing exams or hearing aids, which can cost from $2,000 to $4,000 per ear. However, some Medicare Advantage plans cover hearing aids and fitting exams, and some discount programs provide lower-cost hearing aids. If you save money in an HSA before you enroll in Medicare, you can also use that tax-free for hearing aids and other out-of-pocket expenses.

If you have mild hearing loss, an over-the-counter hearing aid might be a good fit for you. According to the Mayo Clinic, these devices typically cost between $99 and $1,700 a pair. Be sure to get an audiology test before you get over-the-counter hearing aids, as Johns Hopkins recommends.

7. Does Medicare cover medical care overseas?

Medicare usually doesn’t cover care you receive while traveling outside of the U.S., except for very limited circumstances (such as on a cruise ship within six hours of a U.S. port). But some Medigap plans will cover 80% of the cost of emergency care abroad up to a certain limit. 

Medicare Supplement plans C, D, F, G, M and N cover some travel-abroad emergency help. No other Medicare Supplement plans provide foreign travel emergency coverage.

Additionally, some Medicare Advantage plans cover emergency care abroad. Or you could buy a travel insurance policy that covers some medical expenses while you’re outside of the U.S. and may even cover emergency medical evacuation, which can otherwise cost tens of thousands of dollars to transport you aboard a medical plane or helicopter.

A note about Medicare Advantage

Medicare Advantage may provide coverage for some things not covered by traditional Medicare. However, as mentioned above, a 2022 report found that some Medicare Advantage insurance providers unnecessarily denied care or payments for care that would have been provided to beneficiaries had they chosen traditional Medicare.

The Advantage insurance providers likewise “denied payments to providers for some services that met both Medicare coverage rules” and the organizations’ billing rules, according to the report . This could prevent or delay needed care for beneficiaries and could result in a burden on medical providers.

The report also found that 13% of the time that Medicare Advantage providers denied prior authorization, the requests met rules making them eligible under original Medicare, suggesting they would have been approved if the beneficiaries had not chosen Advantage instead of standard Medicare.

The report concluded that in those instances, Advantage insurance providers “used clinical criteria that are not contained in Medicare coverage rules.” For example, they might require an X-ray before approving more advanced imaging. In addition, the Advantage insurance providers denied some prior authorizations for care on the basis that the requests didn’t have enough documentation to support approval. Yet, the inspector general found, “our reviewers found that the existing beneficiary medical records were sufficient to support the medical necessity of the services.”

Often, when challenged, however, the Advantage insurance providers would reverse their decisions. So, it’s important for patients to be able to advocate for necessary coverage if denied.

Lawmakers on both sides of the aisle recently introduced legislation to curb frivolous denials of care by Advantage insurers. And the Department of Health and Human Services finalized rules in April 2024 to overhaul how Medicare Advantage customers get prior approval for care. The changes will take effect next year. So stay tuned and do your research when choosing an Advantage provider.

To look up Medicare’s coverage rules and other types of care and procedures, go to Medicare.gov/coverage and use the “Is my test, item or service covered?” tool. Also see . If you believe a claim was unfairly denied, see How to Appeal a Denied Medicare Claim .

Donna joined Kiplinger as a personal finance writer in 2023. She spent more than a decade as the contributing editor of J.K.Lasser's Your Income Tax Guide and edited state specific legal treatises at ALM Media. She has shared her expertise as a guest on Bloomberg, CNN, Fox, NPR, CNBC and many other media outlets around the nation. 

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What's your chance of seeing the northern lights tonight? A look at Saturday's forecast

Illuminating the night sky with pink, green and gray colors, the northern lights made its appearance in the United Kingdom and the northern half of the United States on Friday. The magical phenomena could happen again tonight.

The show fascinated many onlookers as they took out their phones to capture the beauty of the night sky. On Friday, the National Oceanic and Atmospheric Administration (NOAA) issued extreme (G5) conditions across the United States. A storm of this intensity has not been seen since October 2003. The storm gained the name "Halloween Storm" and caused many power outages in Sweden and damaged transformers in South Africa, according to Earth.com .

Meteorologists have predicted that the northern lights can be visible on Saturday as well as Sunday. If you are going outside to see the northern lights, forecasters want to remind the public that their solar eclipse glasses can be used for viewing the phenomenon.

Here's what you need to know to prepare for the next viewing of the northern lights.

The northern lights: Danced across the US last night. It could happen again Saturday.

What is the cloud forecast Saturday night? Will clouds block the northern lights?

If you missed the aurora borealis Friday night, you might still catch a glimpse on Saturday or Sunday, depending on where you live. But not if clouds get in the way.

The cloud forecast for Saturday night is generally good for most of America, but some of the people who missed their chance last night due to clouds may have a similar problem Saturday, said AccuWeather senior meteorologist Tom Kines. Areas that are likely to be cloudy include New England and Mid-Atlantic regions, as well as parts of the Southern Plains, including Oklahoma, Kansas and Colorado.

“Even just a few breaks in the clouds will allow the aurora to be visible,” Kines said. “There’s always hope.”

Peak visibility time Saturday night will be between 9 p.m. and midnight, with some chance until 2 a.m., Kines said. The best views will be in dark areas away from the light pollution of cities, he said, though some reported seeing the auroras Friday night from metro areas like Milwaukee and Detroit.

Sunday night, if there is any aurora to see, those in the Northeast and Mid-Atlantic can rejoice, because Kines said the skies should be clearer.

Where can you see the northern lights tonight?

The Space and Weather Prediction Center  offers an experimental forecast map  that shows the aurora may be visible in a wide swath of the U.S. including Oregon, Nebraska, Indiana and Pennsylvania. Other states like California, Alabama, Mississippi and Florida could also see the sky light up again for an encore performance. But visibility will depend on shifting factors that include weather, pollution and cloud cover.

Below are forecast predictions for seeing the northern lights in New York, Michigan, Wisconsin, Ohio and Indiana on Saturday.

Rain and clouds are expected to damper expectations to see the aurora borealis around the Rochester, N.Y. area . Elsewhere in NY, the  Lower Hudson Valley could see the lights again, if weather permits. 

NWS maps predicting the intensity and location of the northern lights Saturday and Sunday show the aurora will be visible in mid to northern Michigan and the Upper Peninsula.

Saturday and Sunday are predicted to be mostly cloudy with some rain showers and isolated thunderstorms. The NWS predicted 48% to 58% sky cover in metro Detroit from 8 p.m. Saturday to 2 a.m. Sunday. The western portion of both peninsulas are expected to have a lower cloud cover.

In the Milwaukee area , the evening is expected to bring mostly clear skies and overnight will have scattered clouds, said Tim Halbach, local meteorologist with the National Weather Service. 

Those living around the Cincinnati region could be treated to the northern lights Saturday night with the NWS' Wilmington, Ohio , office forecasting dry, partly cloudy conditions. Clouds shouldn't be an issue as many Ohioans reported seeing the lights Friday despite some cloud cover.

 In a telephone interview, Mike Bettwy, operations chief of the NOAA's  Space Weather Prediction Center  in Boulder, Co, said Indianapolis and surrounding areas might have a better chance of seeing the aurora today and Sunday.

They can expect clear skies tonight, Bettwy said.

"The aurora itself might be actually a little bit less active than it was last night," he told IndyStar. "I think the ability for you to see it will be better because the skies will be clearing out — at least in the Indianapolis area and that immediate vicinity."

Northern lights forecast path

If you want to get a better idea of if you will be able to see the northern lights from your state, check NOAA's aurora forecast tool , which has a 30-minute forecast window. 

The auroras are a natural light display in Earth's sky that are famously best seen in high-latitude regions.

Scientist left amazed by the aurora

The aurora seen on May 10 amazed Antonella Fruscione, an astrophysicist at the Smithsonian Astrophysical Observatory. She sent photos of the lights and the April eclipse to her friends in Italy. The northern lights weren't as prominent in Italy as it was in other places.

"And I sent them the picture that I took at the solar eclipse and I said, 'Can you imagine how fortunate I was this year, one month apart, I see these two incredible spectacles of the universe,'" she recalled telling them.

The phenomena seen Friday and possibly Saturday night isn't usual, she said.

"It's a very rare occurrence, especially because last night it was really visible," Fruscione said.

That's because the Earth's magnetic activity was at a nine, the highest the index goes, coupled with the Sun being at an active peak, causing eruptions. She added the colors cannot be predicted either as it depends on how the solar energetic particles interact with oxygen and nitrogen atoms. Oxygen appears green, while nitrogen appears purple, blue or pink, she said.

"It just depends on which atoms in the atmosphere this particle interact with," Fruscione said.

She declined to predict how strong Saturday's aurora could be as it's not in her expertise, but said people make predictions all the time about space weather not just for the northern lights, but to ensure communications, space stations, astronauts and other matter in space doesn't get majorly disrupted.

Down on Earth, however, the activity is harmless to humans.

"It's completely harmless because the particles do not don't do not reach us," Fruscione said. "The reason why we see the colors is that the particle interacts with the atoms and they make these beautiful colors and that's it."

For Saturday, and any other day where chatter about the aurora borealis is high, Fruscione encouraged people to download an aurora forecasting app to their phones so they can see the colorful skies.

What are the northern lights?

The northern lights materialize when energized particles from the sun reach Earth's upper atmosphere at speeds of up to 45 million mph,  according to Space.com . Earth's magnetic field redirects the particles toward the poles through a process that produces a stunning display of rays, spirals and flickers that has fascinated humans for millennia.

Contributing: Eric Lagatta and Dinah Voyles Pulver , USA TODAY ; Tanya Wildt, Detroit Free Press ; Alex Groth, Milwaukee Journal Sentinel ; Contributing: Bebe Hodges, Cincinnati Enquirer ; Contributing: Steve Howe, Rochester Democrat and Chronicle; Rockland/Westchester Journal News ; Alexandria Burris, Indianapolis Star

Ahjané Forbes is a reporter on the National Trending Team at USA TODAY. Ahjané covers breaking news, car recalls, crime, health, lottery and public policy stories. Email her at  [email protected] . Follow her on  Instagram ,  Threads  and  X (Twitter)