Ins 18.10(4)(e)6.6. Any national board recognized by the National Institutes of Health for the purpose of evaluating the medical value of health care services. Ins 18.10(4)(e)7.7. Any other medical or scientific evidence that is comparable to the sources listed in this paragraph. Ins 18.10(4m)(4m) “Legal basis” means information from any of the following sources: Ins 18.10(4m)(a)(a) The most current version of The American Journal of Jurisprudence. Ins 18.10(4m)(d)(d) The terms of the insurance contract applicable for the period of coverage in dispute. Ins 18.10(5)(5) “Unbiased” means an independent review organization that complies with all of the following: Ins 18.10(5)(b)(b) The independent review organization does not provide incentives of any kind, including financial incentives, to providers or consumers as inducements for selection as the independent review organization. Ins 18.10(5)(c)(c) The independent review organization does not directly or indirectly receive any compensation, in any form, related to a review, other than the compensation permitted under this subchapter and s. 632.835, Stats. Ins 18.10(5)(d)(d) The independent review organization does not promote, to providers, consumers or insurers any of the following: Ins 18.10(5)(d)1.1. A pattern of favorable results or a pattern of favorable results on a particular treatment or subject. Ins 18.10(5)(e)(e) The independent review organization does not have a pattern of decisions that are unsupported by substantial evidence. Ins 18.105Ins 18.105 Annual CPI adjustment for independent review eligibility. Ins 18.105(1)(1) Publication and effective date. The commissioner shall publish to the office of the commissioner of insurance website on or before December 1 of each year the consumer price index for urban consumers as determined by the U.S. Department of Labor and publish the adjusted dollar amount in accordance with s. 632.835 (5) (c), Stats. The adjusted dollar amount published each December shall be used by insurers offering health benefit plans when complying with s. Ins 18.10 (2) (d) and s. 632.835 (1) (a) 4., Stats., effective the following January 1. Ins 18.105(2)(2) Determination of adjusted rates. Insurers offering health benefit plans shall apply the adjusted dollar amount published annually by the commissioner that is required to be met in accordance with s. 632.835 (1) (a) 4. and (b) 4., Stats., as follows: Ins 18.105(2)(a)(a) For adverse determinations when treatment was received by the insured, the insurer shall use the date treatment was received to determine the proper adjusted dollar amount that is required to be met in accordance with s. 632.835 (1) (a) 4., Stats. Ins 18.105(2)(b)(b) For adverse determinations when a course of treatment was received by the insured or terminated by the insurer, the insurer shall use later of the following dates to determine the proper adjusted dollar amount that is required to be met in accordance with s. 632.835 (1) (a) 4., Stats.: Ins 18.105(2)(b)2.2. The date the insurer mailed written notification to the insured, or the insured’s authorized representative, that the course of treatment was terminated or denied. Ins 18.105(2)(c)(c) For experimental treatment determinations the insurer shall use the date the insurer mailed written notification to the insured, or the insured’s authorized representative, that for the proposed treatment the insurer has either denied the treatment or denied payment for the treatment, to determine the proper adjusted dollar amount that is required to be met in accordance with s. 632.835 (1) (b) 4., Stats., and s. Ins 18.10 (2) (d).