Independent Review Organization. If your health insurer or HMO declines to pay for health care you believe is medically necessary or appropriate, you may request that it contact TDI and request that an independent group (IRO) review the decision. An IRO review is not required for self-funded ERISA plans. Unless your condition is life-threatening, you must complete the standard appeal process before requesting an IRO review. IROs are not affiliated with your health plan. The health plan must pay for treatment the IRO determines is necessary.

( abbrev.) In rememberings of someone. Locker Equipement can be stored in a locker. Nearly every town has lockers. A locker can store 10 up to 30 items. You can pay from 4 to 8 weeks in advance.{help locker

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