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Hearing Problem Loss: when insurers say no, reviewers often say yes

In 37 published external-review decisions involving hearing problem loss, independent physician reviewers overturned the insurer’s denial 51.4% of the time.

Published decisions
37
2001–2026
Overturned
51.4%
19 denials reversed

Most-fought treatments for hearing problem loss

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Cochlear Implant10
40%
Hearing Aid4
25%
Genetic Genomic Test4
75%

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.
25
44%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
12
66.7%
Typical time to a decision
15 days
Most land between 7 and 21 days
Handled as urgent
40.5%
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 and authorization and coverage for hyperbaric oxygen therapy services.Findings: Two of three physician reviewers found that the services at issue and requested services were, and are, likely to be more beneficial than any other available standard treatments for the patient’s medical condition.Hyperbaric oxygen therapy is thought to support the hypoxic tissue of the inner ear, reduce tissue edema and prevent reperfusing injury. Academy of Otolaryngology-Head and Neck Surgery clinical practice guidelines for sudden hearing loss state that clinicians may offer hyperbaric oxygen therapy combined with steroid therapy within two weeks of the onset of sudden sensorineural hearing loss (SSNHL).
Experimental/Investigational · 2020 · IMR EI20-33633
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for hyperbaric oxygen therapy service. Current medical literature supports the use of hyperbaric oxygen therapy for the treatment of idiopathic sudden sensorineural hearing loss. Researchers note that there is clinically meaningful improvement with the use of hyperbaric oxygen therapy in patients with moderate to profound idiopathic sudden sensorineural hearing loss that present for treatment within 14 days of the onset of symptoms. The authors further note that even patients presenting later than 14 days may show improvement with the use of hyperbaric oxygen therapy. The American Academy of Otolaryngology-Head and Neck Foundation indicates that hyperbaric oxygen therapy may be a viable consideration up to one month following symptom onset.
Experimental/Investigational · 2023 · IMR EI23-39268

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for hyperbaric oxygen therapy. One source of medical literature has approved hyperbaric oxygen therapy for the treatment of patients with sudden hearing loss. However, another source of medical literature include salvage hyperbaric oxygen therapy plus steroids as treatment option for use within one month of symptom onset. The records provided for review document that this patient’s hearing loss has fluctuated with worsening hearing loss noted more than the recommendation for hyperbaric oxygen therapy. The patient’s condition was improved following treatment with steroid injections. The patient experienced onset of hearing loss. Subsequently, the patient reported a sudden worsening in their hearing.
Experimental/Investigational · 2021 · IMR EI21-36055
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for unilateral cochlear implant. The U.S. Food and Drug Administration (FDA) approved MED-EL’s cochlear implant for single-sided deafness (SSD) and asymmetric hearing loss (AHL) for patients five years of age and older in 2019. However, to fully meet criteria for cochlear implant for this indication, the FDA requires that “individuals with SSD or AHL must have at least one (1) month experience wearing a Contra Lateral Routing of Signal (CROS) hearing aid or other relevant device and not show any subjective benefit.” The documents submitted for review do not demonstrate that the patient used a CROS hearing aid, bone-anchored hearing aid (BAHA), or other relevant hearing aid for 1 month.
Medical Necessity · 2021 · IMR MN21-36113

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 hearing problem loss 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 hearing problem loss? 51.4% won.

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