(4)__The bureau or any state agency conducting a fair hearing pursuant to contract with the bureau may contract with a health care provider who is appropriately credentialed with respect to the health care service under review to obtain additional information concerning disputed medical issues.__The health care provider may have no conflict of interest relating to the performance of the provider's duties under this subsection.

(5)__The carrier involved shall provide the aggrieved enrollee or the enrollee's representative with adequate notice of appeal rights in a form to be approved by the bureau and, prior to a hearing, timely access to the carrier's records relating to the externally appealable decision and to all provisions of the plan or health insurance coverage, including any policies, procedures, criteria, guidelines, protocols or coverage manuals.

(6)__The determination by the hearing officer on the external appeal must:

(a)__Be made orally or in writing, and, if the determination is made orally, it must be supplied to the parties in writing within 5 working days of oral notification of the determination;

(b)__Be binding on the carrier;

(c)__Be made in accordance with the medical exigencies of the case involved but in no event later than 30 calendar days, or 72 hours in the case of an expedited appeal, from the date of completion of the filing of notice of external appeal of the decision;

(d)__State, in layperson's language, the basis for the determination in conformance with the requirements of any applicable rule or interpretation of such a rule regarding the content of adverse determinations and include, if