CAD: when insurers say no, reviewers often say yes

In 69 published external-review decisions involving cad, independent physician reviewers overturned the insurer’s denial 27.5% of the time.

Published decisions
69
2001–2026
Overturned
27.5%
19 denials reversed

Most-fought treatments for cad

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
CT Scan19
21.1%
Cardiac Rx10
40%
Lab Work4
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
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
35
40%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
34
14.7%
Typical time to a decision
20 days
Most land between 13 and 21 days
Handled as urgent
14.5%
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 62-year-old man with symptomatic paroxysmal atrial fibrillation. His condition was refractory to multiple medications. The treated condition was not coronary artery disease, but atrial fibrillation. The patient’s provider recommended he undergo pulmonary vein isolation. The treating electrophysiologist ordered electron beam angiography to assess the pulmonary veins before and after the procedure. The Health Plan has denied coverage for the electron beam angiographies on the basis the services are experimental. Electron beam angiography is a technique without a comparable equivalent. Electron beam technology provides a three-dimensional image, which is superior to the two-dimensional imaging provided by conventional, invasive angiography. Electron beam angiography was a component of the pulmonary vein isolation procedure approved for this patient.
Experimental/Investigational · 2005 · IMR EI05-4203
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for the wound therapy pump vacuum and wound dressing sets/equipment. Findings: The physician reviewer found that in the medical literature, a study noted that negative pressure wound therapy (NPWT) following greater saphenous vein (GSV) harvest is “safe, well tolerated and improves postoperative recovery with prolonged impact on mobility at six weeks.” Another study reported that the VAC can effectively reduce postoperative complications, such as lymphedema, incision infection, wound dehiscence, and skin flap necrosis in CABG patients who underwent great saphenous veins harvesting. Overall, there is adequate data in the scientific data supporting NPWT for surgical dehiscence.
Experimental/Investigational · 2017 · IMR EI17-26850

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient is a 50-year-old female with a history of hyperlipidemia and low levels of HDL treated with gemfibrozil and Pravachol. She had a baseline EBCT in 2003 and a second imaging study in June 2005. The Health Plan denied the patient’s request for reimbursement of the follow-up study based upon their determination that EBCT is considered experimental/ investigational for evaluation of coronary artery disease. In adults at low risk for coronary heart disease (CHD) events, the United States Preventive Services Task Force (USPSTF) now recommends against routine screening for either the presence of severe coronary artery stenosis (CAS) or the prediction of CHD events with resting electrocardiography (ECG), exercise treadmill test (ETT), or electron-beam computed tomography (EBCT) scanning for coronary calcium.
Experimental/Investigational · 2005 · IMR EI05-5058
Physician 1The patient is a 62-year-old male with a history of coronary artery disease and angina. He underwent coronary artery bypass grafting in 1988 and an angioplasty with cardiac stent placement in 1994. The patient reported experiencing chest pain in July 2004. An abnormal thallium scan showed midlateral wall ischemia. The patient’s provider recommended enhanced external counterpulsation (EECP). The Health Plan has denied authorization and coverage for EECP on the basis it is considered experimental for treatment of the patient’s medical condition.The patient has known coronary disease and angina. However, based on the submitted records of the stress test performed on 7/27/04, the patient is able to walk 8.03 on a Bruce Protocol without chest discomfort or ST changes and with appropriate augmentation of heart rate and blood pressure.
Experimental/Investigational · 2004 · IMR EI04-3965

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 cad 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 cad? 27.5% won.

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