If your insurer denies your claim after the first level internal appeal, you can request a second level of internal appeals.[5] This second level internal appeal is entirely optional.[6]

Your health insurer is required to provide you with notice and instruction on how to file a second level appeal with their denial letter following the first level internal appeal.[7] During a second level internal appeal, you have the right to:

  • Appear in person before a review panel convened by your health insurer;
  • Receive copies of all documents, records, and other information relevant to your request for services or treatment;
  • Present your case to the review panel;
  • Submit additional documentation and information to the review panel for their consideration; and
  • Ask questions of the review panel.[8]