A Texas Request For A Review By An Independent Review Organization (RADIO) is a process that allows individuals to contest the decisions of their insurance companies or healthcare providers. The process is available to individuals who have been denied coverage, or who have received an unfavorable decision from their insurance company or healthcare provider. The RADIO process is administered by the Texas Department of Insurance or the Texas Health and Human Services Commission (HHSC), depending on the type of dispute. The three types of Texas Request For A Review By An Independent Review Organization are: 1. External Review: This is a request to an independent review organization to review a health plan's decision to deny or limit coverage of a health care service. 2. Complaint Review: This is a request to an independent review organization to review a complaint regarding the quality of care received from a healthcare provider. 3. Utilization Review: This is a request to an independent review organization to review a health plan's decision to deny or limit coverage of a health care service based on medical necessity. The RADIO process is designed to ensure that individuals are provided with timely, independent, and impartial review of their insurance company or healthcare provider's decisions. The independent review organization's decision is binding on the insurance company or healthcare provider. The process is free for consumers and is intended to provide an efficient and cost-effective resolution to disputes between them and their insurance companies or healthcare providers.