Home / Conditions / Deviated Septum

Deviated Septum: when insurers say no, reviewers often say yes

In 18 published external-review decisions involving deviated septum, independent physician reviewers overturned the insurer’s denial 61.1% of the time.

Published decisions
18
2001–2026
Overturned
61.1%
11 denials reversed

Most-fought treatments for deviated septum

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Septoplasty7
85.7%
Sinus Surgery6
50%

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.
14
71.4%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
4
25%
Typical time to a decision
20 days
Most land between 7 and 21 days
Handled as urgent
27.8%
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

Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient requested authorization and coverage for components of the requested nasal/sinus endoscopy surgical procedure, nasal/sinus endoscopy, surgical, with right maxillary antrostomy and nasal/sinus endoscopy, surgical, with ethmoidectomy, partial (anterior).The requested services of a right maxillary antrostomy and anterior ethmoidectomy are medically necessary based on the submitted record. Both of the requested procedures are a component of functional endoscopic sinus surgery (FESS). FESS is typically performed for either recurrent acute (RARS) or chronic rhinosinusitis (CRS). It should only be recommended to patients who meet the strict diagnostic criteria for rhinosinusitis and who are refractory to maximal medical management such as intranasal saline, topical steroids, and antibiotics.
Medical Necessity · 2024 · IMR MN24-41926
Nature of Statutory Criteria/Case Summary: The patient is a 55-year-old female who has been diagnosed with a deviated nasal septum due to assault on 7/8/22. Since the injury, the patient has developed a saddle nose deformity, nasal obstruction, septal deviation, and external valve collapse. The treating physician plans to reconstruct her nose with cartilage graft. The Health Plan indicates that the requested treatment is not medically necessary for the treatment of the patient’s medical condition. Therefore, the Health Plan has denied coverage for the requested treatment. At issue is whether rhinoplasty, secondary; major revision (nasal tip work and osteotomies) (CPT 30450), and graft; ear cartilage, autogenous, to nose or ear (includes obtaining graft) (CPT 21235) is medically necessary for the treatment of this patient’s medication condition.
Medical Necessity · 2023 · IMR MN23-38562

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 bilateral nasal and sinus surgery. While sinus surgery may be an appropriate therapeutic option for patients with chronic sinusitis and recurrent acute sinusitis, in this case, the patient does not meet the criteria for the requested service. The American Academy of Otolaryngology – Head and Neck Surgery (AAOHNS) defines chronic rhinosinusitis (CRS) as a clinical disorder characterized by inflammation of the mucosa of the nose and paranasal sinuses with associated signs and symptoms of 12-week consecutive duration.
Medical Necessity · 2022 · IMR MN22-37606
Nature of Statutory Criteria/Case Summary: A patient has requested authorization and coverage for a rhinoplasty primary with major septal repair. This patient has a history of long-standing allergic rhinitis for over 20 years. There is a lack of report or documentation of failure of recent, medically supervised conservative nasal therapy. Physical examination shows only mild tip ptosis and mild septal deviation. The statement by the provider that operative treatment of mild deformity would have an outsized or marked effect in the presence of intranasal swelling is unsupported by peer-reviewed medical literature. Overall, there is a lack of support for the use of the requested procedure in the peer-reviewed medical literature.
Medical Necessity · 2024 · IMR MN24-41155

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 deviated septum 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 deviated septum? 61.1% won.

Explain my denial — freeStart my appeal · $39