Already illegal yes but in a way that favors the insurance company. For example, if the insurance co claims your appeal needs a peer to peer (your dr talks to

Already illegal yes but in a way that favors the insurance company. For example, if the insurance co claims your appeal needs a peer to peer (your dr talks to their Dr) they currently get to decide on when the talk happens. If your dr can't meet at the exact time slot they want, you lose by default. We could rewrite the law to make the patients actual doctor win by default rather than the insurance doctor who rejects literally thousands of claims per week and hasn't even read the patients history.