Independent Review Organization (IRO)

Also called: IRO

An independent review organization is an accredited, third-party entity that carries out external reviews of insurance denials. Its medical reviewers have no financial stake in the outcome, and their decision generally binds the plan. Understanding that a real, independent panel will read your file is a good reason to make your external-review submission thorough.

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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.