When a plaintiff sues an insurer for bad faith denial, the insurer's defense team needs to know whether the UR process is documentarily defensible. Was criteria correctly applied? Is the denial letter's rationale supported by what the reviewer actually found?
Was the stated criteria (InterQual, MCG, or proprietary) correctly applied to this clinical presentation?
Does the denial letter's stated medical rationale match what the clinical evidence actually shows?
Was peer-to-peer review with the treating physician conducted and documented correctly?
Was the review conducted by a physician in the relevant specialty as required?
Does the UR file contain all required documentation that plaintiff will subpoena?
Overall assessment of whether the denial is documentarily defensible — with specific remediation recommendations.