Also called: independent external review
External review is your right to have a denial examined by independent medical experts who do not work for your insurer, usually after you have exhausted the plan's internal appeals. The reviewers' decision is binding on the plan. External review is a powerful step because it removes the insurer from the final call.
Our free AI-powered tool can help you turn a confusing denial into a compelling appeal letter in minutes.
Disclaimer: This definition is provided for general educational purposes only and is not legal, medical, or insurance advice. Insurance rules, deadlines, and terminology vary by plan, state, and over time. Always check your own plan documents and confirm current details before acting.