Delaware Internal Review, Arbitration & Independent Review of Health Insurance Claims Reports are services that provide an independent assessment of health insurance claims disputes. This helps to ensure that health insurance companies comply with insurance law and regulations, and that policyholders receive fair and equitable decisions when faced with a claim denial. The Delaware Department of Insurance oversees the Delaware External Review, Arbitration & Independent Review of Health Insurance Claims Reports process. The Delaware Internal Review, Arbitration & Independent Review of Health Insurance Claims Reports process can be broken down into three different types of reviews: Internal Review, Arbitration and Independent Review. Internal Review: Internal Review is a review of a denied health insurance claim by the health insurance company. The health insurance company may review the claim and overturn the decision to deny based on new evidence or information. Arbitration: Arbitration is an alternative dispute resolution process that is used to resolve health insurance claims disputes. An independent arbitrator will review the dispute and make a decision. Independent Review: Independent Review is a review of a denied health insurance claim by an independent third party. This third party is usually a panel of experts that review the claim and make a decision. These three services provide an independent review of health insurance claims disputes, helping to ensure that policyholders receive fair and equitable decisions.