Dementia denials in California external review

In the California DMHC record, independent physician reviewers decided 21 published external-review cases involving dementiaand overturned the plan’s denial in 42.9%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
21
2002–2025
Overturned
42.9%
9 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.
12
50%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
9
33.3%
Typical time to a decision
20 days
Most land between 5 and 21 days
Handled as urgent
38.1%
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 authorization and coverage for fluorodeoxyglucose-positron emission tomography (FDG-PET) scan for evaluation of the enrollee’s memory loss. Findings: The three physician reviewers found that there is a growing body of literature supporting the use of fluorodeoxyglucose (FDG-PET) in this clinical setting. Neuroimaging has come to play an important role in the diagnosis and characterization of dementia. This technique can help guide treatment and aid avoid ineffective therapy. Neuroimaging can be divided into structural imaging (computed tomography, MRI) and functional imaging (FDG-PET imaging, functional MRI). FDG-PET is a biomarker for neuronal degeneration in dementia and when used appropriately, can add valuable information to the patient’s clinical workup.
Experimental/Investigational · 2017 · IMR EI17-27306
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for genetic testing. Neurodegenerative disease accounts for the majority of dementia diagnoses. These range from common dementia diagnoses such as Alzheimer's disease to frontotemporal dementia (FTD) and prion diseases. Genetic testing has helped identify several etiologies of dementia. The standard available testing is genetic panel testing. Whole exome genetic testing reduces bias and provides greater diagnostic yield as compared to genetic panel testing. Furthermore, whole exome testing can detect several genetic pathologies including duplications, deletions, insertions, and inversions beyond the scope of panel testing. Finally, whole exome testing enables further data analysis should new clinical information become available.
Experimental/Investigational · 2023 · IMR EI23-39030

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 (1) skilled services by a registered nurse for management and evaluation of the plan of care (CPT code G0162), 1 unit at 15 minutes each, and (2) direct skilled nursing services of a registered nurse in the home health or hospice setting (CPT code G0299), 3 units at each 15 minutes. Green notes that patients with dementia have unique safety needs due to cognitive and behavioral changes associated with dementia. The author further notes that safety interventions for persons with dementia who remain in their home environment should be considered to mitigate the risks associated with falling, kitchen use and food safety, medication safety, and wandering and personal safety. Despite these measures, constant supervision and caregiver assistance for safety may still be needed.
Medical Necessity · 2020 · IMR MN20-34483
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for skilled nursing facility (SNF) services for rehabilitation services including physical therapy, occupational therapy, and speech therapy. Dementia is progressive and results in various adverse outcomes such as impaired social participation, compromised self-care abilities, and increased hospitalizations. Management options include redirection, structured care and support, involvement in stimulating activities, cholinesterase inhibitors, and reducing unnecessary polypharmacy. In this case, the patient has a history of multiple, chronic brain insults with dementia, manifested by severe cognitive deficits affecting domains such as memory, sensorium, and safety awareness. She also has severe physical impairments.
Medical Necessity · 2020 · IMR MN20-33511

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California external-review outcomes. Other state and federal programs have different eligibility rules, processes, and current availability; the rates here do not transfer to those programs or predict an individual result. 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 describe eligible cases completed through California DMHC’s Independent Medical Review program. They do not estimate the chance that an internal appeal, an external review in another jurisdiction, or your individual case will succeed. Use the record to identify evidence patterns involving dementia, then check the rights and deadlines that apply to your plan.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · AGGREGATES + DEIDENTIFIED DECISION EXCERPTS/REFERENCE IDS · 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 dementia? Use the California record to prepare.

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