Home / Conditions / Actinic Keratosis

Actinic Keratosis: when insurers say no, reviewers often say yes

In 14 published external-review decisions involving actinic keratosis, independent physician reviewers overturned the insurer’s denial 50% of the time.

Published decisions
14
2001–2026
Overturned
50%
7 denials reversed

What the insurer actually argued

Denials fall into different categories, and they don’t succeed equally — so the reason on your letter changes how you should answer it.
Reason givenDecisionsOverturned
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
9
44.4%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
5
60%
Typical time to a decision
14 days
Most land between 13 and 18 days
Handled as urgent
7.1%
Expedited when a delay would cause harm
What the reviewers wrote
Excerpts from the independent reviewers’ published findings — the actual reasoning, quoted, not summarised.

Where the denial was overturned

Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for photodynamic therapy (CPT 96567 and J7308) provided on 12/19/17. The Health Plan has denied this request indicating that the services at issue were considered investigational for treatment of the enrollee’s actinic keratosis.Findings: PDT is an effective therapy for AK that consists of topical application of a photosensitizer followed by exposure of the treatment area to a visible wavelength light source. It is a U.S. Food and Drug Administration (FDA) approved therapy for AK of the scalp and face. The patient in this case has tried and failed several other standard therapies and so it was medically appropriate to use PDT for treatment of his skin pre-cancers. Multiple trials and meta-analyses have compared PDT with other therapies for AK.
Experimental/Investigational · 2018 · IMR EI18-28186
Nature of Statutory Criteria/Case Summary: An enrollee has requested Picato for treatment of his medical condition. Findings: The physician reviewer found that the submitted documentation supports the medical necessity of the requested medication. This patient has a history of facial basal cell carcinoma. His occupation involves performing procedures which produce a non-sterile environment. Treatment with Picato gel is preferred due to the limited downtime associated with the treatment. Picato gel is a U.S. Food and Drug Administration (FDA) approved three-day treatment for actinic keratosis. The first-line therapy typically involves a 21-day course of therapy. Significant cutaneous inflammation is associated with use of these medications. As the patient is considered to be at risk for airborne infectious exposures due to his occupation, a concise treatment period is appropriate.
Medical Necessity · 2016 · IMR MN16-21599

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for photodynamic therapy. Patients with multiple actinic keratoses can benefit from the use of field treatment with multiple modalities including 5-fluorouracil cream, imiquimod, ingenol mebutate, and photodynamic therapy. Current guidelines recommend 5-fluorouracil cream and imiquimod as first-line treatments for actinic keratoses. A recent comparison study reported the greatest efficacy from 5-fluorouracil cream over other modalities (Jansen, et al.). This patient presents with a history of basal cell carcinoma of the right cheek and recurrent actinic keratoses on his face. Although the patient achieved adequate results with photodynamic therapy in the past, there is a lack of data supporting retreatment with photodynamic therapy for retreatment in this clinical setting.
Medical Necessity · 2021 · IMR MN21-34749
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for Carac 0.5% cream for treatment of the enrollee’s actinic keratosis. Findings: The physician reviewer found the submitted documentation fails to demonstrate the medical necessity of the medication at issue. This patient has been diagnosed with actinic keratosis, and she has tried and failed therapy with Picato. The Health Plan coverage criteria requires a treatment trial and failure of generic fluorouracil cream, generic fluorouracil solution or generic imiquimod cream prior to coverage of brand name Carac. These medications are useful for the treatment of pre-cancerous actinic keratosis, which has the potential to develop into squamous cell carcinoma if untreated. Thus, there were other effective, preferred formulary agents for the treatment of this patient’s condition.
Medical Necessity · 2017 · IMR MN17-27267

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California outcomes — every state runs an equivalent external review, but the rates here are California’s. Excerpts are quoted verbatim from the public record and describe this condition generally, not any individual case.

How to use this in your appeal

These outcomes come from California’s external review program — an independent physician panel whose decision binds the insurer. Every state has an equivalent, and internal appeals succeed even more often. If your care for actinic keratosis was denied, the published record says the denial is worth fighting.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · DERIVED AGGREGATE STATISTICS ONLY · METHODOLOGY

Not legal or medical advice. Coverage Rights is a self-help tool that helps you prepare your own appeal. For advice about your specific situation, talk to a licensed attorney or your doctor.

Fighting a denial for actinic keratosis? 50% won.

Explain my denial — freeStart my appeal · $39