Independent Review Organizations (IROs)
Under RCW 48.43.535 and RCW 43.70.235, consumers who have been denied coverage or payment by their health insurance carrier have a right to an impartial, external review of their case. If upon completion of the carrier's appeal process, a consumer is not satisfied with the carrier's decision, the consumer can request review by a certified IRO.
The Office of the Insurance Commissioner regulates carriers, and has established a
rotational registry carriers must follow when assigning IRO reviews.
Current Topics
Changes to Washington State IRO regulations - 2010 Affordable Care Act (ACA)
Information for IROs:
Information for Consumers:
The Office of the Insurance Commissioner has more information about your health insurance appeal rights.
If you feel an IRO is not following the process required by Washington regulations, send us the details of your complaint by mail or email.
- Email Address
iro@doh.wa.gov
- Mailing Address
Department of Health
Attention: Sherry Thomas
PO Box 47850
Olympia, WA 98504-7850
Please note that IRO determinations are binding decisions. The department’s authorized actions if an IRO does not adhere to Washington’s regulations is to suspend, revoke or modify their certification.
For more information, please call Sherry Thomas at 360.236.4612.
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