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 Hawaii law, you are entitled to request an external review in the following if your insurer still denies you coverage after the conclusion of an internal appeal.[7]

You can also request an expedited external review if waiting 60 days would seriously jeopardize your life, health, or ability to regain functioning. You can request an expedited external review while you request the expedited internal appeal.[8]