Home / Conditions / Brain

Brain: when insurers say no, reviewers often say yes

In 171 published external-review decisions involving brain, independent physician reviewers overturned the insurer’s denial 52% of the time.

Published decisions
171
2001–2026
Overturned
52%
89 denials reversed

Most-fought treatments for brain

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Cancer Rx19
31.6%
Chemotherapy17
35.3%
Investigational Tx11
45.5%
Surgery9
44.4%
Lab Work8
62.5%
Genetic Genomic Test6
83.3%
Radiation Therapy4
100%
Early Discharge3
0%

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.
89
55.1%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
80
48.8%
Typical time to a decision
7 days
Most land between 4 and 16 days
Handled as urgent
69.6%
Expedited when a delay would cause harm
Recent direction
Rising
47.2%73.3% overturned, last three years
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 proton beam radiation treatment. The utilization of proton beam in treating gliomas, such as oligodendroglioma, is an area of active investigation. Proton beam has unique properties compared to standard x-ray, or photon, therapy in its ability to deposit radiation dose. Often, fewer proton beams can be utilized to achieve a dose distribution similar to standard x-ray beam, potentially resulting in less radiation exposure to critical organs. Proton beam is currently utilized and strongly indicated in a setting where severe toxicities would result if normal tissue constraints cannot be met by standard x-ray beam. There is strong evidence suggesting decreased treatment related toxicity when proton beam is utilized for gliomas.
Experimental/Investigational · 2023 · IMR EI23-38597
Physician 1: This case involves a 35-year-old male with a high-grade glioma status post two surgeries, chemotherapy, and radiation. The patient is currently stable, but carries a very guarded prognosis. His neurosurgeon and neuro-oncologist believe a magnetic resonance spectroscopy (MRS) is needed to assist in planning further treatment. The Health Plan has denied coverage for an MRS indicating there is insufficient peer-reviewed evidence demonstrating the accuracy of MRS is superior to alternative diagnostic modalities.MRS is now widely used for the treatment planning of gliomas. There is copious recent literature supporting its use in this clinical setting. This patient has a high-grade glioma; MRI alone is likely to be equivocal. Therefore, an MRS is medically appropriate and within the standard of care.
Medical Necessity · 2005 · IMR MN05-4826

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient is a 51-year-old man diagnosed with glioblastoma in July 2004. He was treated with surgery, radiation therapy, and chemotherapy. The patient underwent further surgery in January 2005 followed by treatment with interleukin-13 pseudomonas exotoxin. An MRI performed in September 2005 demonstrated progressive disease and it has been recommended that the patient be treated with CPT-11 and Avastin. The Health Plan has denied authorization for Avastin on the basis the therapy is considered investigational in this clinical setting.The included evidence includes two abstracts/papers that have been submitted for publication. One of these papers noted that in 21 patients treated with CPT-11 and Avastin, 9 had some sort of response. This was suggestive of an improved response to the combination when compared to CPT-11 alone.
Experimental/Investigational · 2005 · IMR EI05-5005
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for emergent services from through. The Health Plan has denied this request indicating that the requested services are not emergent services for treatment of the enrollee’s medical condition. A review of the records indicates a diagnosis of a stage IV glioblastoma multiforme (GBM) brain tumor for this enrollee. The enrollee presented with loss of speech, difficulty reading and writing, and loss of vision, and cognition was rapidly declining. The enrollee is reported to have had intraoperative brain mapping with partial resection surgery of a very large tumor, which was causing brain swelling and mass effect, and related services during the dates of services at issue. A magnetic resonance imaging (MRI), is reported to have shown several areas of tumor in the left parietal lobe.
Urgent Care · 2018 · IMR UR18-29793

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 brain 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 brain? 52% won.

Explain my denial — freeStart my appeal · $39