Expedited External Review · State DOI / Federal Process
Request for expedited external review when standard timeframe would jeopardize life or health. The IRO must render a decision within 72 hours.
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Fax to the external review organization or state insurance department
Mark all documents 'EXPEDITED/URGENT EXTERNAL REVIEW'.
Mail to the external review organization with urgent notation
Filing Deadline
Same as standard external review (4 months from final internal denial), but must be requested as expedited if the medical situation is urgent.
72 hours maximum. For life-threatening situations, the IRO may render a decision within 24 hours.
The IRO must assign a reviewer and render a decision as quickly as the medical situation requires but no later than 72 hours. The decision is binding on the insurer.
PA Request (insurer-specific) · Health Insurance Plans
Request for approval of surgical procedures, imaging studies, specialist referrals, or other services requiring pre-authorization. Must demonstrate medical necessity.
Pharmacy PA (insurer/PBM-specific) · Health Insurance Plans / PBMs
Request for coverage of formulary drugs requiring PA, non-formulary drugs, or override of step therapy, quantity limits, or other utilization management edits.
Step Therapy Exception · Health Insurance Plans / PBMs
Request to bypass step therapy requirement and proceed directly to a preferred or non-preferred drug. Must document why first-step drugs are not appropriate for the patient.
Tiering Exception · Part D Plans / Commercial Insurers
Request to obtain a non-preferred drug at the lower cost-sharing tier. Prescriber must provide a supporting statement documenting why the lower-tier alternatives are not appropriate.
Specialty PA (insurer-specific) · Health Insurance Plans / Specialty Pharmacies
Prior authorization request for high-cost specialty medications including biologics, gene therapies, and other complex drugs. Requires detailed clinical criteria documentation.
DME PA (insurer-specific) · Health Insurance Plans / Medicare MACs
Request for coverage of wheelchairs, CPAP machines, hospital beds, prosthetics, orthotics, and other durable medical equipment.
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