When a health insurance company refuses to pay for treatment, most people begrudgingly accept the decision. Few patients appeal; some don’t trust the insurer to reverse its own decision. But a little-known process that requires insurers and plans to seek an independent opinion outside their walls can force insurers to pay for what can be lifesaving treatment. External reviews are one of the industry’s best-kept secrets, and only a tiny fraction of those eligible actually use them. Click on the link below for the six steps experts suggest to help you through the external appeal process.

For the process to file an appeal, click here.