You should file your request for a standard external review with your health insurer within four months from the date your insurer sent you the final decision. You can request assistance from the Montana Department of Insurance (“Department”) with filing your request.[7] You can reach the Department at (800) 332-6148 or (406) 444-2040.

Your health insurer must determine whether your claim is eligible for an external review within five days of receiving your request and must provide all information related to your request to an external review organization within an additional five days.[8]

After your insurer notifies you that your claim has been assigned to an independent review organization, you will have ten business days to provide any new information and documentation that you had not previously included with your request for an internal appeal to the independent review organization.[9]