Blue Cross and Blue Shield of Illinois (BCBSIL) has an internal claims and appeals process that allows you to appeal decisions about paying claims, eligibility for coverage, or ending coverage.

Once this appeal process is over, you may request an external review. As a BCBSIL HMO member, you may have coverage denials examined by external, independent reviewers. The independent review organization is not associated with your health plan. There is no charge for requesting the review. 

We will send you information reminding you that independent, external review of coverage is available every year. We mail the information to members who do not have fax, email or internet access.

You may call the customer service number on the back of your member ID card if you have questions about the external review process.