During an external review, an independent third party reviews your insurer’s decision.[3] Your insurer will no longer have the final say over whether to approve a treatment or pay a claim. Under Oklahoma law, you are entitled to an external review if your insurer denied your coverage after an internal appeal.

You can request an expedited external review if you need immediate medical care.[4] You should contact your insurer to determine whether you can also skip the internal appeal process altogether when requesting an expedited external review.

You are not eligible for external review if the requested treatment is not covered by your health plan or if your dispute involves a question of administration, such as whether you paid your premium on time.[5]