Requesting an organization determination
- You have the right to ask your plan to provide or pay for items or services you think should be covered, provided, or continued. This is called an "organization determination." You, your representative, or your doctor can ask your plan for an organization determination.
- If you think your health could be seriously harmed by waiting the standard 14 days for a decision, ask your plan for a fast decision. The plan must give you its decision within 72 hours if it determines, or your doctor tells your plan, that your life or health may be seriously harmed waiting for a standard decision.
- If the plan won't cover the items or services you asked for, the plan must tell you in writing why it won't give or pay for the items or services and how to appeal this decision. You'll get a notice explaining why your plan fully or partially denied your request and instructions on how to appeal your plan's decision. If you appeal the plan’s decision, you may want to ask for a copy of your file containing medical and other information about your case. Your plan may charge you for this copy.
Your doctor or other prescriber (for prescription drug appeals) can request this level of appeal for you, and you don’t need to appoint them as your representative.
What if you disagree with the organization determination?
If you disagree with the organization determination, then you can file an appeal. The appeals process has 5 levels. If you disagree with the decision made at any level of the process, you can generally go to the next level. At each level, you'll be given instructions in the decision letter on how to move to the next level of appeal.