; (3) in subsection (d)(1), by striking subsection (f) and inserting subsection (j) ; (4) by redesignating subsections (f) through (i) as subsections (j) through (m), respectively; and (5) by inserting after subsection (e) the following new subsections: (f) Expert medical opinions (1) The Secretary of Defense may not use an expert medical opinion from an individual in determining whether to allow, settle, and pay a claim under this section unless the individual is a board-certified physician. (2) No claim under this section may be denied on medical grounds until the Secretary obtains an expert medical opinion on the medical malpractice alleged under such claim from an individual who— (A) is not a member of the uniformed services or a civilian employee of the Department of Defense; and (B) does not have a business, medical, or personal relationship with the claimant. (3) If a claim under this section is denied, the Secretary shall provide to the claimant information regarding the identity and qualifications of any individual who provided an expert medical opinion upon which such denial is based. (g) Justification of denial If a claim under this section is denied, the Secretary of Defense shall provide the claimant with detailed reasoning justifying the denial of the claim, including— (1) copies of any written reports prepared by any expert upon which the denial is based