Anterior Cruciate Ligament Tear denials in California external review

In the California DMHC record, independent physician reviewers decided 116 published external-review cases involving anterior cruciate ligament tearand overturned the plan’s denial in 44%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
116
2002–2026
Overturned
44%
51 denials reversed

Most-fought treatments for anterior cruciate ligament tear

What insurers denied — and how those fights ended.
TreatmentDecisionsOverturned
Cpm Machine35
54.3%

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.
101
47.5%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
13
23.1%
Typical time to a decision
20 days
Most land between 14 and 21 days
Handled as urgent
12.1%
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 authorization and coverage for Euflexxa injections. The Health Plan has denied this request indicating that the requested treatment is not medically necessary for treatment of the enrollee’s knee pain. A review of the record indicates that the enrollee has been diagnosed with osteoarthritis, essential hypertension, and morbid obesity. A visit note dated 11/2/18, reported the enrollee presented with bilateral knee pain, right more than left. The provider reported previous magnetic resonance imaging of the right knee revealed significant diffuse meniscus tear of the medial meniscus; and chondromalacia to the medial compartment, mild to moderate chondromalacia to the patella and a partial tear of the anterior cruciate ligament (ACL).
Medical Necessity · 2018 · IMR MN18-29849
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for magnetic resonance imaging (MRI) of the left knee. MRI is the current gold standard for the assessment of soft tissue, chondral, and bony pathologies of the knee joint. The American College of Radiology guidelines for chronic knee pain report that “MRI is indicated for non-traumatic knee pain when pain is persistent and radiographs are non-diagnostic. It is not indicated before complete physical examination and radiography, or for the following conditions: severe degenerative joint disease, inflammatory arthritis, stress fracture, osteonecrosis, or chronic regional pain syndrome.” In this case, the patient did not present with chronic knee pain. However, the records indicate that he sustained a twisting injury with noted immediate instability of the left knee.
Medical Necessity · 2024 · IMR MN24-42331

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient is a 24-year-old male that injured his left knee in October 2004 while playing soccer. Radiographic studies demonstrated a complete tear of the anterior cruciate ligament (ACL) and a bucket handle tear of the medial meniscus. The patient underwent left knee ACL reconstruction in October 2005. The operative report noted the medial meniscus was too damaged for repair and it was debrided with a near complete medial meniscectomy. There was also a posterior horn lateral meniscus tear that was debrided. As of May 2006 X-ray identified mild degenerative changes within the medial compartment however, the patient had no instability. The orthopedist noted the patient was currently asymptomatic. In September 2006 the provider noted the patient continued to do well with relatively no pain or instability, but he had occasional mild pain with descending stairs.
Experimental/Investigational · 2006 · IMR EI06-5988
Physician 1: The patient is a 55-year-old female who underwent reconstruction of her right anterior cruciate ligament (ACL) and torn menial meniscus. The patient’s provider recommended a continuous passive motion (CPM) device for rehabilitation. The Health Plan has denied coverage for the equipment at issue on the basis it is considered investigational.There is insufficient evidence supporting the use of a CPM device in this case. There is no class I data demonstrating superior ACL outcomes with use of a CPM device as opposed to standard rehabilitation modalities. The use of CPM in this case was excessive and not medically warranted. Accordingly, I have determined the equipment at issue was not likely to be more beneficial for treatment of the patient’s medical condition than any available standard therapy.
Experimental/Investigational · 2005 · IMR EI05-4281

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California external-review outcomes. Other state and federal programs have different eligibility rules, processes, and current availability; the rates here do not transfer to those programs or predict an individual result. 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 describe eligible cases completed through California DMHC’s Independent Medical Review program. They do not estimate the chance that an internal appeal, an external review in another jurisdiction, or your individual case will succeed. Use the record to identify evidence patterns involving anterior cruciate ligament tear, then check the rights and deadlines that apply to your plan.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · AGGREGATES + DEIDENTIFIED DECISION EXCERPTS/REFERENCE IDS · 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 anterior cruciate ligament tear? Use the California record to prepare.

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