Both the first and second level internal review combined should take a maximum of 30 days if you have not yet received the requested service or treatment and a maximum of 60 days if you have received the service or treatment but are waiting for reimbursement.^[10] If you requested an expedited internal review, you should receive a decision within 72 hours of your request.^[11] If the insurer fails to meet these time frames, it must approve your claim request.^[12]