During an external review, an independent third party reviews your insurer’s decision.[9] Your insurer will no longer have the final say over whether to approve a treatment or pay a claim. Rhode Island law entitles you to request an external review if your insurer denies your coverage after an internal appeal.

You can also request an expedited external review if your medical situation is urgent and waiting would jeopardize your life or ability to function. If you are requesting an external review, you should contact your insurer to determine if you can skip the internal appeal process altogether.