Home / Conditions / Breast Mass

Breast Mass: when insurers say no, reviewers often say yes

In 18 published external-review decisions involving breast mass, independent physician reviewers overturned the insurer’s denial 55.6% of the time.

Published decisions
18
2001–2026
Overturned
55.6%
10 denials reversed

Most-fought treatments for breast mass

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Digital Breast Tomosynthesis7
100%
Typical time to a decision
12 days
Most land between 7 and 20 days
Handled as urgent
33.3%
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 digital breast tomosynthesis for an annual breast screening examination. Findings: The 3 physician reviewers found that breast tomosynthesis is a technique that was developed several years ago as a problem solving adjunct to routine mammography. Applying the same basic concept as computed tomography (CT) scanning, the logic is that by separating the various layers of breast tissue, one can better detect abnormalities. This has been shown to be most useful in the evaluation of dense breasts. In this particular patient, there are two separate indications for tomosynthesis. First, she has breasts that have been described as being dense. It is specifically those patients who have dense breasts that can benefit most from tomosynthesis.
Experimental/Investigational · 2016 · IMR EI16-23649
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for digital breast tomosynthesis for evaluation of the enrollee, who was asymptomatic. Findings: The 3 physician reviewers found that breast tomosynthesis is a technique that was developed several years ago as a problem solving adjunct to routine mammography. Applying the same basic concept as computed tomography (CT) scanning, the logic is that by separating the various layers of breast tissue, one can better detect abnormalities. This has been shown to be most useful in the evaluation of dense breasts. In this patient’s case, a mass as well as indeterminate calcifications were noted in the left breast. Breast tomosynthesis is an excellent means to better evaluate calcifications and identify masses that may not be apparent on routine mammography.
Experimental/Investigational · 2016 · IMR EI16-23621

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for bilateral breast magnetic resonance imaging (MRI). The available records indicate that the patient presented with a history of right breast mass. An ultrasound of the site of a palpable lump demonstrated an irregular hypoechoic complex cystic lesion with internal vascular flow with the track that extended nearly to the skin surface consistent with an inflammatory process such as an inflamed sebaceous cyst. The patient underwent evaluation with a breast MRI. The MRI demonstrated a right breast mass, BI-RADS Category 4 suspicious for malignancy. The National Comprehensive Cancer Network (NCCN) guidelines report that breast MRI is not recommended in the diagnostic evaluation of patients who present with a palpable mass in the breast.
Experimental/Investigational · 2022 · IMR EI22-37912
A 56-year-old female enrollee has requested an MRI of the right breast for evaluation of her mass-like density in the upper outer right breast. Findings: Three physician reviewers found that this patient has an enlarging mass-like density within the right breast in the area of a prior benign breast biopsy. A diagnostic breast MRI has been requested for further evaluation. When a patient has a non-palpable mass that is suspicious, breast biopsy is the next appropriate study. The use of breast MRI to avoid biopsy is not medically appropriate. As noted by the American College of Radiology, MRI should not be used in lieu of biopsy of a mammographically, clinically, and/or sonographically suspicious finding. Breast MRI is not meant to be a substitute for a breast biopsy.
Experimental/Investigational · 2011 · IMR EI11-12273

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 breast mass 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 breast mass? 55.6% won.

Explain my denial — freeStart my appeal · $39