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This appeals process isn't open to all of Pennsylvania's 12.4 million citizens. Only people insured by an HMO — health maintenance organization — or other plans in which a member has to go to a primary care physician or some other type of “gatekeeper” for a referral in order to see a specialist.
People insured by “straight,” or traditional, preferred provider organizations do not have the right to the state-mandated appeals process, according to Stacy Mitchell, director of the Pennsylvania Bureau of Managed Care, although the patient could file suit to challenge a rejection.
For people eligible to appeal an insurer's decision, the process works like this:
* An initial appeal — all appeals should be submitted to the insurer in writing — must be reviewed by the plan within 30 days.
* If that appeal is rejected, the patient can request a hearing of the appeal by a plan review committee. The plan has 45 days to hold the hearing, and then must issue a decision within five days.
* If that appeal is unsuccessful, the patient can appeal to the state's Bureau of Managed Care within 15 days. The bureau will send that appeal on to one of the nine independent review organizations — all companies like Imedecs — that are registered with the state, Mitchell said. The independent reviewer has 60 days to issue a decision.
An independent reviewer's decision is binding, within limits. Either party — the health insurer or patient — can sue if things don't go their way, Mitchell said.
There are exceptions to the time limitations at each step in instances where time is critical.