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Chronic Diarrhea: when insurers say no, reviewers often say yes

In 21 published external-review decisions involving chronic diarrhea, independent physician reviewers overturned the insurer’s denial 47.6% of the time.

Published decisions
21
2001–2026
Overturned
47.6%
10 denials reversed

Most-fought treatments for chronic diarrhea

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Lab Work5
20%

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.
11
45.5%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
10
50%
Typical time to a decision
17 days
Most land between 10 and 21 days
Handled as urgent
23.8%
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: The patient has been diagnosed with irritable bowel syndrome with diarrhea (IBS-D). The patient reported diarrhea, nausea, and unintentional weight loss. The patient underwent a colonoscopy that revealed non-bleeding internal hemorrhoids. The random colon biopsies obtained were noted to be negative for adenomatous change or malignancy. The patient reported diarrhea and abdominal cramping, which improved after bowel movements. In the Health Plan Prescription Drug Prior Authorization or Step Therapy Exception Request Form, the provider noted loperamide was ineffective. A computed tomography scan of the abdomen and pelvis showed a distended gallbladder, diverticulosis, and a stable right lung nodule. An ultrasound of the abdomen, showed multiple gallstones in a nondilated gallbladder.
Medical Necessity · 2020 · IMR MN20-32978
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for dosage escalation of Entyvio 300 mg IV infusion to every four weeks. The request to continue Entyvio 300 mg every four weeks is supported as medically necessary for the treatment of this patient’s Crohn’s disease. In two randomized placebo-controlled trials, which supported U.S. Food and Drug Administration (FDA) approval, Entyvio was part of a study protocol for patients who had not achieved remission despite six weeks of treatment and continued Entyvio every four weeks rather than every eight weeks. The American Gastroenterological Association (AGA) indicated that for patients with Crohn’s disease, Entyvio every four weeks resulted in remission in over 36% of patients after one year.
Medical Necessity · 2022 · IMR MN22-37348

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for monitored anesthesia care (MAC) services provided during upper and lower gastrointestinal endoscopic procedures. The current American Society of Anesthesiologists (ASA) guidelines for sedation and anesthesia in gastrointestinal endoscopy “recommend that the combination of an opioid and benzodiazepine is a safe and effective regimen for achieving minimal to moderate sedation for upper endoscopy and colonoscopy in patients without risk factors for sedation-related adverse events.” The ASA states that, “Minimal and/or moderate sedation can be delivered safely by endoscopists to patients who are ASA Class I, II, or III.” A review by Wernli and colleagues concluded that, “Use of anesthesia service was associated with a 13% increase in the risk of any complication within 30 days.” In this case, the patient p…
Medical Necessity · 2021 · IMR MN21-35510
A 66-year-old male enrollee has requested anesthesia administered during a colonoscopy for treatment of his history of chronic diarrhea. Findings: The physician reviewer found that the submitted documentation fails to demonstrate the medical necessity of the services at issue in this patient’s case. The American Association of Anesthesiologists notes that moderate sedation is generally recommended for both diagnostic and uncomplicated therapeutic endoscopic procedures. Moderate sedation involves the administration of medication with or without analgesia to achieve a state of depressed consciousness while maintaining the patient’s ability to respond to stimulation.
Medical Necessity · 2013 · IMR MN13-14766

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 chronic diarrhea 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 chronic diarrhea? 47.6% won.

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