During an external review, an independent third party reviews your insurer’s decision.[8] Your insurer will no longer have the final say over whether to approve a treatment or pay a claim. Under Ohio law, you are entitled to request an external review if your insurer denies your coverage after an internal appeal or does not provide you with a decision within the required timeframe.[9]

You can also request an expedited external review if your situation is urgent. You can request an expedited external review at the same time that you requested an expedited internal appeal.[10]