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Chronic Lymphocytic Leukemia: when insurers say no, reviewers often say yes

In 18 published external-review decisions involving chronic lymphocytic leukemia, independent physician reviewers overturned the insurer’s denial 66.7% of the time.

Published decisions
18
2001–2026
Overturned
66.7%
12 denials reversed

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.
11
63.6%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
7
71.4%
Typical time to a decision
7 days
Most land between 3 and 22 days
Handled as urgent
61.1%
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 genetic testing (CPT 81450). Findings: Two of the three physician reviewers found that chronic lymphocytic leukemia is characterized as an indolent leukemia, but a patient’s individual clinical course is not predictable. It is impacted by stage at presentation and certain biomarkers. Among these, mutations in TP53, NOTCH1, BIRC3, and SF3B1 have been shown to be helpful to categorize patients into prognostic groups. Thus, mutational analysis has been adopted by many oncologists at the time of chronic lymphocytic leukemia diagnosis. In addition to this indication, mutational analysis may also be needed in the case of treatment resistance.
Experimental/Investigational · 2018 · IMR EI18-29522
Nature of Statutory Criteria/ Case Summary: The patient has requested authorization and coverage for Intravenous Immunoglobulin (IVIG) Administration at an Outpatient Hospital Infusion Center. She has Stage 3 Chronic Lymphocytic Leukemia (CLL) and is enrolled in a clinical trial for the CLL using ibrutinib and venetoclax. Oncology notes indicate she is immunosuppressed. She has also been getting IVIG infusions and has had infusion reactions with skin infections. After the first IVIG transfusion, she developed pneumonia and then olecranon bursitis with Pseudomonas infection. She had been receiving the IVIG at an infusion center. However, the health plan denied coverage indicating that she needed to have home infusion services. Her physician indicates the patient has had several issues that were handled in the infusion center and home health infusion is not recommended for this patient.
Medical Necessity · 2019 · IMR MN19-30840

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
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for Gazyva, cycles 7-12. Findings: The physician reviewer found that Stage at presentation and certain biomarkers in CLL affect an individual patient’s clinical course. Imbruvica is a tyrosine kinase inhibitor with some specificity toward the Bruton tyrosine kinase. The Bruton tyrosine kinase-signaling pathway is important for normal B-cell function and B-cell neoplasms. Thus, Bruton tyrosine kinase inhibition is a reasonable treatment choice for patients with diverse B-cell malignancies. Imbruvica has been tested against CLL in phase Ib-II clinical trials (Byrd, et al). The authors found that Imbruvica induced durable remissions in patients with relapsed and refractory CLL with minimal side effects.
Medical Necessity · 2019 · IMR MN19-31026

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 lymphocytic leukemia 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 lymphocytic leukemia? 66.7% won.

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