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EXTERNAL REVIEW RECORD PACKETS

Seventy-two hours, on an expedited review.

External review record packets put the full clinical record in front of the reviewing physician indexed against the plan document, the applicable medical policy, and the evidence base. On a 72-hour expedited clock, the reviewer spends it on the determination rather than on assembling an eight-hundred-page file.

Click any row → the source page it cites
Review packet · Case #IME-4812 indexed
Adams, Timothy · external review file
342 pp / 2 productions received logged
11 duplicate pages removed free
p.140 — wrong patient quarantined
Pages 342 Documents 27 Cited 100%

The rulebook is federal. The referee publishes the scores.

We do not build for a case type until we can name the standard that defines a correct output and the person who grades the file against it. External review has both, and the grader publishes overturn rates by reviewer organization.

That is what makes the packet the buildable half of the job: the determination is a clinical judgement, but the file behind it has a defined shape and an auditable trail.

The rulebook and the referee
The rulebook
  • 45 CFR 147.136, the federal external review requirement
  • NAIC Uniform Health Carrier External Review Model Act
  • State IRO statutes: TX Ins. Code Ch. 4202 / 28 TAC Ch. 12, NY Ins. Law §4914, CA H&S Code §1374.30 (DMHC IMR)
  • URAC IRO Accreditation Standards
  • ERISA 29 CFR 2560.503-1, for the plan-side claim and appeal record
The referee
  • State DOI audits of IRO decision files
  • URAC re-accreditation every 3 years, with document and file review
  • Published overturn-rate databases: the TDI IRO decision search and the CA DMHC IMR database
  • Judicial review, where the determination is challenged in court
Standard external reviews run $350–950 and expedited reviews $650–1,500 at market rate, on a 45-day or 72-hour clock Flat 10¢/page for the packet, duplicates free
Review packet · Case #IME-4812 cited 100%
Production342 pp / 2 productions · 11 deduplicatedlogged
Denial rationalePage-cited to the adverse determination lettercited
Treating recordFaxed office notes, handwritten marginsdegraded
Policy indexPlan language mapped to the disputed serviceindexed
27 documents · cited 100% · no determination made
What the file actually looks like

One hundred to eight hundred pages, arriving out of order.

An external review case file runs 100 to 800 pages, with a midpoint around 450. It arrives as more than one production: the plan's claim and appeal file, the treating provider's chart, and whatever the enrollee submitted directly. The three overlap heavily and agree with each other imperfectly.

What makes those pages hard is not their number. It is faxed scans of faxed scans, handwriting in the margins of office notes, the same discharge summary appearing in three productions under three different Bates ranges, and the occasional page that belongs to another patient entirely.

Roughly 150,000 to 400,000 case files a year

That range is our own estimate of the annual external review volume across federal and state processes, not a published figure. We show the working rather than a false precision.

The funnel is narrow by design

Fewer than 1% of denied ACA marketplace claims are appealed at all, so external review is a small, high-stakes slice of a very large denial population. Every file that reaches it is one somebody decided to fight for.

What we'd build with you

Four steps, starting with one real file.

01

Send one real file

A closed external review case, as it actually arrived: multiple productions, degraded faxes, the plan documents alongside the clinical record. In the demo case, 342 pages across 2 productions with a wrong-patient page quarantined before the read starts.

02

We return the read

A sorted, deduplicated packet with a chronology, the denial rationale and plan language located, and every line page-cited to its source. You compare it against what the reviewer on that case actually had to work from.

03

We scope the build

Your packet order, your section headings, your export format, and the intake rules that separate an expedited request from a standard one. If the case type is not buildable to your standard, we say so at this step rather than after.

04

You run it

Your intake team loads files, your reviewing physicians read the packet and make the determination. We never write the determination, never grade the appeal and never touch the clinical judgement.

Audit trail · Case #IME-4812 exportable
08:12Productions received · 342 pp / 2 productionssystem
08:3111 pages deduplicated across productionssystem
08:44p.140 flagged — wrong patientsystem
08:54Packet assembled · 27 documents · cited 100%system
09:20Packet reviewed · citations verifiedreviewer
09:26Packet released to the reviewing physicianreviewer
Every access logged · file deleted 30 days after delivery
Why Medrecords AI

The rules the platform never breaks.

Medrecords AI EVERY LINE CITED
CASE #IME-4812 · ADAMS, T.342 pp
2/14 — ER visit, right knee p.4
4/18 — arthroscopic surgery p.61
p.140 — wrong patient quarantined
Medrecords AI
Read every page · cite every line

HIPAA, under a signed BAA

Every file is handled under our Business Associate Agreement, from the first byte.

Never trains a model

Your records are never used to train any AI model — ours or anyone else's.

Every line cited

If we can't cite it, we don't say it. Every sentence links to its source page.

Deleted after delivery

Files are deleted 30 days after delivery, with a full audit log of every access.

Powered by the platform

Four capabilities behind every review packet.

The external review packet is one deliverable of the same platform that reads, sorts, and cites the whole record.

Document Sorting & Packet Builder

Multiple productions sorted into one ordered packet, deduplicated across sources, in the section order your reviewers read in.

IN ACTION · 342 pp / 2 productions → 27 documents, 11 deduplicated

Medical Chronology

The treatment timeline behind the disputed service builds itself, synced to every source page across every production.

IN ACTION · 7 visits improving since 4/02, one continuous timeline

Literature & Standard-of-Care Matching

The published evidence base surfaced alongside the disputed service, so the reviewer weighs it rather than hunts for it.

IN ACTION · surfaced for the reviewer, never weighed for them

Verifiable AI Citations

If we can't cite it, we don't say it. Every line in the packet links back to the page it came from, which is what an audited decision file needs.

IN ACTION · 27 documents → cited 100%
FAQ

External review record packets, answered.

No. We are not an IRO and we do not appear on any independent review organization companies list. We prepare the record packet an IRO's reviewing physician reads: the clinical record sorted, deduplicated, indexed and page-cited against the plan document and the medical policy in play. The determination is made by the reviewer, not by us.

No. An external review determination is a clinical and contractual judgement that has to be signed by a qualified reviewer, and under 45 CFR 147.136 and the state IRO statutes it cannot be delegated to software. We assemble and cite the evidence the reviewer weighs. We never score the appeal, never predict an outcome and never sign anything.

Standard external review runs on a 45-day clock and expedited review on a 72-hour clock, and most of that budget is spent finding things rather than deciding. Packet assembly starts in minutes from upload rather than after a retrieval cycle, so the reviewing physician gets an indexed file early in the window instead of a raw production late in it.

It helps with the file-level part of it. URAC re-accreditation every three years turns on document and file review, and state DOI audits pull decision files the same way. Every packet carries an access log and page-level citations back to the source production, so the file shows what the reviewer saw. The policies, staffing and clinical criteria behind accreditation stay yours.

It changes the order, not the content. On an expedited request the packet leads with the denial rationale, the plan language it cites and the treating record covering the disputed service, with the remainder of the file indexed behind it. External review case files run 100 to 800 pages, so an ordered packet is the difference between reading and searching.

Send one file. We'll tell you what we can read.

No obligation. If the case type is buildable we'll scope it; if it isn't, we'll say so.