Texas external review

Independent Review Organization (IRO) reviewFile within 120 days

Texas assigns denials to an Independent Review Organization once internal appeals are exhausted (or immediately for urgent care). The IRO's decision is binding on the insurer.

Who to contact

Texas Department of Insurance (TDI)

www.tdi.texas.gov

1-800-252-3439

What to know

Your insurer must give you the IRO request form with the final denial.
Urgent-care reviews decided in as little as 72 hours.

Not legal or medical advice. Coverage Rights is a self-help tool that helps you prepare your own appeal. For advice about your specific situation, talk to a licensed attorney or your doctor.

Internal appeal first, external review second. We’ll map your path.

Explain my denial