If your insurer still denies you coverage after you requested an internal appeal or if your situation is urgent, you can request an external review of the insurer’s decision.[5] You must request an external review within four months from the date that your insurer sent you the last decision.[6] During an external review, an independent third party reviews your insurer’s decision.[7]

You should request an external review from the Arkansas Insurance Department. You may call to request the form at (800) 852-5494 or print out a copy of the form here. The completed form should be mailed to:

Arkansas Insurance Department
Consumer Services Division
1200 West Third Street
Little Rock, AR 72201-1904[8]

You should include any additional or new information and documentation not included with your request for an internal appeal with your request for an external review for consideration by the independent reviewer.