$79 — one-time
External review (state IRO)
After two internal denials you have the right to a binding independent review. ACA §2719 forces the insurer to comply with the IRO's decision.
✓
Routes to your state IRO, HHS-IRO, or ERISA-IRO depending on plan type
✓
55-65% IRO-overturn rate when properly argued (KFF data)
✓
Insurer is legally bound by the decision — no further appeals needed
Free pre-payment review. If your case isn't a candidate for a strong appeal, you pay nothing — we tell you why and what could change that.