This may not sound very sexy, but one of the most important consumer protections to be developed in the past 10 years is the external appeal -- appeals to independent reviewers who can overturn an insurance company denial of coverage. Today, the regulations are issued that will make external appeals universal to all plans (except grandfathered plans), as well as strengthen internal appeal rights. You can bet that we will be analyzing them and writing comments.
This is a very big victory for consumers. Jennifer