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Cyst: when insurers say no, reviewers often say yes

In 35 published external-review decisions involving cyst, independent physician reviewers overturned the insurer’s denial 54.3% of the time.

Published decisions
35
2001–2026
Overturned
54.3%
19 denials reversed

Most-fought treatments for cyst

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Emergency Room3
33.3%

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.
28
53.6%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
4
75%
Urgent Care
Expedited reviews, decided in days rather than weeks.
3
33.3%
Typical time to a decision
20 days
Most land between 13 and 21 days
Handled as urgent
20%
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 a sacral laminectomy, spinal dorsa graft and osteoplastic reconstruction of dorsal spinal elements following a primary intraspinal procedure of her lower back. Findings: The physician reviewer found that there is evidence based medical peer-reviewed literature that supports the use of microsurgical resection of Tarlov cysts as safe and effective treatment for symptomatic Tarlov cysts. Studies indicate that symptomatic Tarlov cysts are extremely rare. Burke and colleagues completed one of the largest published studies on patients with Tarlov cysts who were treated microsurgically. They studied 23 adults who were treated with laminectomy, microsurgical exposure and/or imbrication, and para-spinous muscle flap closure.
Medical Necessity · 2016 · IMR MN16-22654
Nature of Statutory Criteria/Case Summary: The patient’s parent has requested authorization and coverage for laser hair removal. The records provided for review document that this patient presents with excessive hair about the buttocks and gluteal cleft. The patient’s age, gender, and hirsutism are all risk factors for the development and recurrence of pilonidal cysts. Pilonidal cysts are characterized by chronic and recurrent inflammation and infection surrounding hair on the buttocks and gluteal cleft. Surgical treatments have a high rate of recurrence and often require repeated surgical interventions and systemic antibiotics for the accompanying folliculitis and cellulitis (Kelati, et al.).
Medical Necessity · 2021 · IMR MN21-35877

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 authorization and coverage for removal of the cyst on his right shoulder. While incision and debridement along with antibiotics are appropriate for treating an abscess, an epidermoid cyst is an encapsulated subepidermal nodule filled with keratin and most commonly located on the face, neck, and trunk. Cysts may progress slowly and remain present for years. Most cysts are sporadic, the most common being cutaneous cysts, typically occurring in the third and fourth decades of life. They are predominantly found in males. Generally, the cysts are asymptomatic until they rupture. Options for management include continued observation or complete surgical excision of the cyst with the cyst wall intact to decrease recurrence.
Medical Necessity · 2024 · IMR MN24-42041
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: A patient has requested authorization and coverage for pilonidal cyst laser ablation (Sinus Laser Closure [SiLaC]). Pilonidal disease is a chronic, suppurative condition that typically occurs in the sacrococcygeal region and may have periods of inactivity and recurrence. While multiple treatment options exist, newer techniques such as SiLaC are still being evaluated and are not considered standard therapy. Comparative studies have shown that traditional surgical approaches, such as flap closure, demonstrate better healing outcomes than SiLaC. Additional studies comparing laser treatment to excision techniques have reported higher rates of residual disease and recurrence with laser therapy. Overall, current medical literature does not support SiLaC as superior to established surgical treatments.
Experimental/Investigational · 2025 · IMR EI25-44935

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 cyst 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 cyst? 54.3% won.

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