DE SB153

Extends the timeframe for filing external review requests from 60 days to four months after a health carrier's final decision to deny, reduce, or terminate covered benefits.

Requires health carriers to appeal IURO (Independent Utilization Review Organization) determinations in favor of covered persons to Superior Court, with an independent attorney appointed by the court to defend the IURO determination and all appeal costs assessed against the carrier.

Removes the deadline of January 6, 2007 for the Insurance Commissioner to adopt rules and regulations, making this requirement ongoing.

Requires written notice of benefit denials, reductions, or terminations to be sent via certified mail with Delivery Confirmation from the United States Postal Service.

Nullifies all provisions if the Patient Protection and Affordable Care Act (PPACA) is declared unconstitutional by the U.S. Supreme Court.