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Alzheimer's Disease: when insurers say no, reviewers often say yes

In 21 published external-review decisions involving alzheimer's disease, independent physician reviewers overturned the insurer’s denial 47.6% of the time.

Published decisions
21
2001–2026
Overturned
47.6%
10 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
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
11
54.5%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
10
40%
Typical time to a decision
18 days
Most land between 12 and 29 days
Handled as urgent
19%
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 authorization and coverage for a positron emission tomography (PET) scan of the brain. Alzheimer’s disease is the most common cause of dementia in the elderly, however, other frequently encountered disorders include frontotemporal dementia and dementia with Lewy bodies. It is important to accurately distinguish between these disorders as appropriate treatment depends on the specific diagnosis. Brown and colleagues note that while clinically based testing is useful, the results usually do not enable the clinician to make a definitive diagnosis. The authors report that 18F-labeled fluoro-2-deoxyglucose positron emission tomography (FDG-PET) allows for the detection of neurodegenerative disorders earlier than is otherwise possible.
Experimental/Investigational · 2022 · IMR EI22-36720
Nature of Statutory Criteria/Case Summary: A patient has requested authorization and coverage for a metabolic positron emission tomography (PET). The physician reviewer found that few medications are available to treat patients with Alzheimer’s disease. Lecanemab is a medication that targets amyloid, one of the pathologies of Alzheimer’s disease. A thorough evaluation with appropriate studies is needed to support medical therapy for Alzheimer’s disease. Testing can include an amyloid PET scan or cerebrospinal fluid analysis. In this patient’s clinical setting, there is adequate support for the requested metabolic PET scan. The patient’s recent blood test showed that the patient’s cognitive issues could be consistent with the early stages of Alzheimer’s disease.
Experimental/Investigational · 2025 · IMR EI25-43529

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 hospice care services. The records provided for review suggest that this patient is at an elevated risk of mortality. However, the patient’s condition lacks the markers of expected mortality within the next six months to support an indication for the requested hospice care services. There are challenges to predicting six-month mortality in Alzheimer’s patients. One key factor is nutrition and hydration. The patient is maintaining her nutrition and hydration as she is eating 50-75% of her meals. In addition, the patient does not have pressure wounds, aspiration pneumonia, kidney failure, or other major co-morbidities associated with six-month mortality in patients with advanced dementia. The patient’s diagnosis of myasthenia gravis is not a determining factor in her need for hospice care.
Medical Necessity · 2024 · IMR MN24-40997
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for the laboratory testing (CPT 83520) provided by Athena Diagnostics, Inc. Findings: The physician reviewer found that evaluating data on the current status of biomarkers for Alzheimer’s disease, Blennow and colleagues report that while a large number of clinical studies very consistently show that these biomarkers contribute with diagnostically relevant information, also in the early disease stages, future studies are warranted to validate these promising results further. In this case, the patient presented with complaints related to memory deficits. While the use of biomarker testing may be helpful, their results have not been demonstrated to be diagnostic, as diagnosis of cognitive disorders remain based on clinical evaluations including a patient’s history and neuropsychological studies.
Experimental/Investigational · 2021 · IMR EI21-35509

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 alzheimer's disease 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 alzheimer's disease? 47.6% won.

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