INS CD-DENIAL-APPEAL PROCEDURE

Amends the Illinois Insurance Code. Requires an insurer to establish and maintain a procedure for dealing with appeals of the insurer's administrative determinations and complaints regarding its administrative decisions. Provides that an appeal may be filed by an insured or his or her designee or guardian, physician, or health care provider. Requires an insurer to designate a clinical peer to review appeals. Provides that if an appeal is denied, the person who requested the appeal may request an external independent review of the denial. Provides procedures for external independent review.