
"When a health insurance company refuses to pay for treatment, most people begrudgingly accept the decision.
Few patients appeal; some don鈥檛 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."
https://www.propublica.org/article/health-insurance-denial-external-review