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 North Dakota law, you are entitled to request an external review if you are not satisfied with the outcome of your internal appeal, or if your insurer waives the internal appeal, you may request an external appeal.[4]

For most plans, you can also request an expedited external review in urgent situations. If your situation is urgent, you should contact your insurer and find out if you can skip the internal appeals process altogether and request an expedited external review immediately.[5]