External review planner
Find out where to file for an independent review in your state, the deadline, the fee and what to send.
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Your state and your coverage type. It does not ask for dates.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It shows the route that usually applies. Your final denial letter names the process for your plan.
Where do I request independent review?
- Private: nothing leaves this tab
- General information, not legal advice
What it asks, and what it is not
What it asks. Your state and your coverage type. It does not ask for dates.
Everything you type stays in this browser tab. Nothing is sent anywhere, and no account is needed.
What it is not. It shows the route that usually applies. Your final denial letter names the process for your plan.
Related guides and checklists
- Guide
External review for self-funded employer plans
If your employer pays claims itself, your state's external review law generally does not apply. Learn how the federal route through private accredited reviewers works, who to call for help, and the limits.
- Guide
How external review works
External review sends a denial to independent reviewers outside your plan, and their decision binds the plan. Learn which denials qualify, who runs it for your plan, the four-month deadline, timing and cost.
- Guide
How to request external review
Step-by-step help to ask for an independent external review. Start by reading your final denial letter. Then send the request, add evidence and ask for a fast decision.
- Guide
What to expect from an external review decision
How long an external review decision takes and what the notice says. Also what the plan must do if you win, and what options remain if the reviewer sides with the plan.
- Checklist
External review request
How to ask for an independent review of a final denial: the four-month deadline, which process and form apply, and the fast option.