utilization review; health care appeals

HB 2900 updates Arizona's health insurance appeal process for denied coverage. It gives members up to two years to request an initial appeal after a denial and requires insurers to send written acknowledgment within five business days. The bill specifies that appeal reviews for medical necessity must be conducted by licensed physicians or advanced practice nurses (like nurse practitioners), and clarifies when external reviews can be requested. This affects patients, healthcare providers, and insurers by standardizing appeal timelines and review procedures.