This bill would enable to Pennsylvania Insurance Department to review and monitor external reviews of insurance coverage denials that would require commercial health insurers to notify policy holders that they have the right to have the insurer’s decision review by health care profession who have no association to the insurer by submitting a request for external review to the Pennsylvania Insurance Commissioner. If eligible, the commissioner would assign a policyholder’s appeal to an independent review organization for external review. In addition, this bull would require the independent review organization as well as the health insurer to maintain at three years of written records on all requests for external review, and upon request submit a report to the Insurance Commissioner.