During an external review, an independent third party reviews your insurer’s decision.[6] Your insurer will no longer have the final say over whether to approve a treatment or pay a claim. Under Louisiana law, you are entitled to request an external review if your insurer:

  • Has not sent you a decision on your internal appeal within 30 days;[7] or
  • Denies your internal appeal.[8]

You can also request an expedited external review if waiting 30 to 60 days for your requested treatment would seriously jeopardize your life, health, or ability to regain function and you have also filed a request for an expedited internal appeal.[9]