Thanks to a 2022 law, consumers across the commonwealth have a new option if a healthcare claim is denied. Consumers can now file an online appeal of insurer denials of healthcare coverage to the Pennsylvania Insurance Department (PID) using PID’s new appeal website. Pennsylvania took over the independent external review process from the federal government under Act 46 of 2022, which took effect January 1, 2024. According to PID, only a small number of individuals challenged claim denials in the past three years and a significant number of those appeals resulted in decision reversals. PID encourages individuals who believe that they were inappropriately denied coverage for a service to utilize the new process and appeal the decision.