If your insurer denies your claim for a medical reason, then your health care provider may request a reconsideration of the denial. You are not responsible for submitting the request. The request must be completed by your insurer within one working day after the insurer receives the request.[2] If your health care provider either does not request a reconsideration or is not successful, you have the right to two levels of internal appeals and possibly an independent external review.[3]