Heart Disease denials in California external review

In the California DMHC record, independent physician reviewers decided 17 published external-review cases involving heart diseaseand overturned the plan’s denial in 47.1%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
17
2020–2025
Overturned
47.1%
8 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.
6
16.7%
Typical time to a decision
10 days
Most land between 7 and 21 days
Handled as urgent
47.1%
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 a heart surgery, a patent foramen ovale (PFO) closure (using a Cardioform percutaneous device). Nietlispach and Meier advocate for the use of percutaneous PFO closure for primary stroke prevention in high-risk populations, which includes patients who are suffering from a disease associated with PFO. In a review of patient-pooled analysis, Desai and colleagues found that PFO closure for the treatment of migraine, both with and without aura, was safe and reduced the average number of monthly migraine days and attacks compared with medical therapy.
Experimental/Investigational · 2021 · IMR EI21-36455
Nature of Statutory Criteria/Case Summary: The patient has been diagnosed with coronary artery disease (CAD). The patient reported occasional chest tightness and a vague aching sensation that occurred with exercise and rest. The patient was treated with a two-vessel coronary artery bypass graft (CABG). The provider noted nuclear stress testing and a stress echocardiogram were negative for ischemia. The patient has requested reimbursement for coronary computerized tomography angiography that was provided. The Health Plan denied the request and reported that the services at issue were not medically necessary for the evaluation of this patient. At issue in this case is whether coronary computerized tomography angiography was medically necessary for the evaluation of the patient’s medical condition.
Medical Necessity · 2020 · IMR MN20-32720

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: A patient has requested authorization and coverage for a computed tomographic angiography (CTA) of coronary arteries. This patient is asymptomatic without clinical evidence of myocardial ischemia, with freedom from anginal-type chest pain or exertional dyspnea. Cardiovascular testing undergone by the patient, including resting echocardiogram and serial electrocardiograms, has also been without ischemic findings. Furthermore, no evidence of atherosclerotic cardiovascular disease (ASCVD) is evident, with normal carotid duplex imaging and a prior coronary artery calcium (CAC) score of 0. Other markers of elevated ASCVD, such as diabetes mellitus and tobacco use, are similarly absent.
Medical Necessity · 2025 · IMR MN25-44139
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for patent foramen ovale (PFO) percutaneous transcatheter closure of congenital interatrial communication with implant. Researchers note that the two accepted indications for PFO closure are paradoxical embolization or hypoxia. Researchers report, “The presence of a PFO in patients undergoing liver transplantation is not associated with postoperative cerebral vascular accident. Prophylactic closure of PFOs, in the absence of other indications, does not appear to be warranted in patients undergoing liver transplantation.” In this case, while the records show that the patient has PFO, there is no history of paradoxical embolization or hypoxia.
Experimental/Investigational · 2024 · IMR EI24-41443

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 heart disease, 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 heart disease? Use the California record to prepare.

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