Last Updated: November 17, 2025
Wisconsin's independent review process may help you resolve some disputes with your health plan regarding its coverage denial. This process allows you to have a medical expert with no connection to your health plan review the health plan's decision. An independent review is available whenever your health plan denies you coverage because it maintains that the treatment is not medically necessary or appropriate or that the treatment is experimental or investigational. You may also request an independent review if your health plan denies coverage based on a preexisting condition exclusion or if it rescinds your health insurance policy or certificate.
Both state and federal law give individuals the right to request an independent external review of some of their health plan's decisions. If your health plan is required to follow the federal law, it is not limited to using the Wisconsin-certified IROs listed below.
The
Fact Sheet on the Independent Review Process in Wisconsin provides more information about this process. You can also contact OCI at the address on the How to Contact Us page to request a copy.
The following organizations, listed in alphabetical order, have been certified as IROs in Wisconsin:
Your health plan should provide you with information on your right to request an independent review in its written materials. You can also call the health plan at its toll-free number and request information on independent review.
Further questions may be directed to:
ocihmo@wisconsin.gov