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Blood: when insurers say no, reviewers often say yes

In 38 published external-review decisions involving blood, independent physician reviewers overturned the insurer’s denial 65.8% of the time.

Published decisions
38
2001–2026
Overturned
65.8%
25 denials reversed

Most-fought treatments for blood

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Chemotherapy7
71.4%
Lab Work3
66.7%
OON Acad Ctr Ref3
33.3%
Clin Trial (II - IV)3
100%

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.
22
68.2%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
16
62.5%
Typical time to a decision
9 days
Most land between 7 and 12 days
Handled as urgent
68.4%
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

Physician 1: The patient is a 44-year-old male originally diagnosed with Stage IVB Hodgkin’s Disease in 1975 treated with C-MOP chemotherapy and a single fraction of thoracic radiation. He next presented in June 2004 with an abnormal chest X-ray showing a spiculated 1.4cm nodule in the right upper lobe. Ultimately he underwent resection of an invasive non-small cell lung cancer and per the record, he had a 1.7cm lung tumor resected with pleural invasion but no nodal involvement He received no adjuvant therapy for what appears to have been a Stage I lung cancer. Within the same timeframe he was noted to have a progressive thrombocytopenia and was subsequently diagnosed with myelodysplastic syndrome (MDS).
Experimental/Investigational · 2006 · IMR EI06-5861
Physician 1The patient is a 57-year-old male with well-controlled HIV who is on highly active antiretroviral therapy. The patient has acute myeloid leukemia (AML) and possible antecedent MDS. He is now being considered for consolidation of first remission with a peripheral stem cell transplant. The Health Plan has denied authorization and coverage for the requested therapy on the basis it is considered experimental.Further data regarding this patient’s AML, AHD, and cytogenetics is needed to help define where he falls in the National Comprehensive Cancer Network guidelines. The decision to pursue treatment should rest on those data and not on his HIV positivity. As such, cytogenetic results and additional hematologic data should be obtained. Unless the patient’s HIV is poorly controlled, his HIV status does not preclude stem cell transplantation.
Experimental/Investigational · 2004 · IMR EI04-3886

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient was diagnosed with chronic lymphocytic leukemia (CLL) in 2000. He was initially treated with chemotherapy and immunotherapy. A bone marrow biopsy in June 2005 revealed relapse of the CLL as well as myelodysplasia. It was recommended that he undergo bone marrow transplantation but no HLA-identical match, either related or unrelated could be found. The patient then went to Israel and received a haploidentical graft from his daughter. The patient died in October 2005.At issue is whether haploidentical stem cell transplantation was likely to be more beneficial for the patient than any available standard therapy.The standard transplant for myelodysplasia is an allogeneic transplant with HLA-identical stem cells, either from a relative or an unrelated donor. Unfortunately, no such match can be found in many patients, as was the case here.
Experimental/Investigational · 2006 · IMR EI06-5416
An enrollee has requested reimbursement for the Autonomic Nervous Function Testing - autonomic reflex screen (CPT 95924) and Endopat study (CPT 95923). The autonomic nervous system is responsible for various functions including heart rate, body temperature, breathing, digestion, and sensation. The autonomic nervous system is composed of the sympathetic and parasympathetic nervous systems and their interplay. Disease occurs when there is the parasympathetic and sympathetic are unbalance or when there is direct damage to the autonomic nervous system in various disease states. Some symptoms linked to autonomic nervous system disease is dizziness, sweating abnormalities, and loss of appetite.
Experimental/Investigational · 2019 · IMR EI19-30034

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 blood 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 blood? 65.8% won.

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