Oklahoma Request for Review of Adverse Benefit Determination (OR RAD) is a form used by beneficiaries of health insurance plans in Oklahoma to request an independent review of an insurance company's decision to deny or reduce payment for an insurance benefit or service. OR RAD is available for those who have been denied or had their request for coverage or payment reduced by their insurance provider. It is important to note that OR RAD cannot be used to appeal a denial of insurance due to a pre-existing condition, or to challenge the amount of a copay or deductible. OR RAD has three different versions: 1. ARCADIA is used to request a review of a denial or reduction in payment for a health care service or benefit. 2. OBRADOR is used to request a review of a denial or reduction in payment for a mental health/substance use disorder service or benefit. 3. ORGANIC is used to request a review of a denial or reduction in payment for a long-term care service or benefit.