Hi. This is perfectly legal and in fact, is very common. You will find that most insurance companies now have third-party reviewers. It saves the insurance companies quite a bit of money. Unfortunately, for you and I the insured, it is a big pain having to deal with third-parties. What tends to happen is that more of your claims get denied and it is more work for you to appeal each denied claim. While it is a potential roadblock, the idea is to make sure you appeal any denial until it gets paid.
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