82 External Review of Adverse Benefit Determination after Internal Appeal Generally, health benefit claims are handled directly by Cigna if you use a provider in the Cigna Open Access Plus network. After you have exhausted the Plan’s internal claims and appeals process, you may exercise your option to seek an external review with an Independent Review Organization (IRO) that conducts reviews of adverse benefit determinations. This External Review process is intended to comply with the Affordable Care Act’s external review requirements. If you are not literate in English, depending on the county in which you reside, you may be eligible for assistance in the non - English language in which you are literate. Call the Fund Office at 202 - 785 - 8148 or toll - free at 800 - 457 - 3481 for more information. The External Review Process Works as Follow s : If your appeal of a claim is denied, whether it’s a pre - service, post - service, or urgent care claim, you may request further review by an Independ ent Review Organization (IRO) as described below. You may only request external review after you have exhausted the internal review and appeals process described above. NOTE: External review is only available for the following types of claim denials : • A den ial that involves medical judgment, including, but not limited to, those based on the Plan’s requirements for medical necessity, appropriateness, health care setting, level of care or effectiveness of a covered benefit, or a determination that a treatment is experimental or investigational. The IRO will determine whether a denial involves a medical judgment; and • A denial due to a rescission of coverage (retroactive elimination of coverage), regardless of whether the rescission has any effect on any particul ar benefit at that time. External review is not available for any other types of denials, including if your claim was denied due to your failure to meet the requirements for eligibility under the terms of the Plan. Under limited circumstances, you may be able to seek external review before the internal claims and appeals process has been completed: • If the Plan waives the requirement that you complete its internal claims and appeals process first. • In an urgent care situation (see “Expedited External Review o f Claim s ”). Generally, an urgent care situation is one in which your health may be in serious jeopardy or, in the opinion of your health care professional, you may experience pain that cannot be adequately controlled while you wait for a decision on your internal appeal. • If the Plan has not followed its own internal claims and appeals process and the failure was more than a minor error. In this situation, the internal claims and appeal is “deemed exhausted,” and you may proceed to external review. If you think that this situation exists, and the Plan disagrees, you may request that the Plan explain in writing why you are not entitled to seek external review at this time. Your request for external review of a denial must be made, in writing, within four (4 ) calendar months of the date that you receive the denial. Because the Plan’s internal review and appeals process generally must be exhausted before external review is available, typically external review of claims will only be available for denials of app eals (and not initial claim denials).