Independent Review Organization (IRO)
A third-party organization that conducts an impartial review of your insurance company's decision if you appeal a denied claim.
Detailed Explanation
If your insurance company upholds their denial after an internal appeal, you may have the option to request an external review by an IRO.
Practical Example
After her insurance company denied her appeal for a complex medical treatment, Lisa requested an independent review by an IRO. The IRO reviewed her case and ultimately overturned the insurance company's decision, approving the necessary treatment.
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