High Risk Pregnancy denials in California external review

In the California DMHC record, independent physician reviewers decided 21 published external-review cases involving high risk pregnancyand 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
2019–2025
Overturned
42.9%
9 denials reversed

Most-fought treatments for high risk pregnancy

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Genetic Genomic Test13
53.8%

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
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
12
41.7%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
9
44.4%
Typical time to a decision
19 days
Most land between 14 and 21 days
Handled as urgent
19%
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: The enrollee requested coverage for the fetal chromosomal aneuploidy genetic testing. Findings: Two out of three physician reviewers found that the enrollee presented at twelve weeks gestation for genetic counseling due to advanced maternal age. Paternal family history is positive for autism and liver disease. She planned to complete the California prenatal integrated screening and was also considering expanded carrier screening and/or cell-free DNA screening. Cystic fibrosis, spinal muscular atrophy, and Fragile X carrier screening results were pending through her obstetrician’s office. The cfDNA detects Down syndrome with 99 percent efficiency. Guidelines consider it the most sensitive screening option for detecting trisomy 21, 18, and 13. Cell free DNA is a standard of care for high-risk enrollees.
Experimental/Investigational · 2019 · IMR EI19-31350
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for biopsy, oocyte polar body or embryo blastomere, microtechnique less than or equal to 5 embryos (CPT 89290). Findings: The physician reviewer found that records provided for review document that this patient and her spouse are carriers of cystic fibrosis. The likelihood of the patient having a child afflicted with cystic fibrosis is estimated at 25%. In order to prevent the birth of a child affected with cystic fibrosis, the patient’s provider recommended in vitro fertilization (IVF) with preimplantation genetic diagnosis (PGD) procedures. Cystic fibrosis is inherited in an autosomal recessive manner. When both parents are carriers, the chances of an offspring having the disease is 25%.
Medical Necessity · 2021 · IMR MN21-34586

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 reimbursement for genetic laboratory testing (CPT 81240 – coagulation factor II prothrombin; CPT 81241 – coagulation factor V Leiden; and CPT 81291 – 5,10-methylenetetrahydrofolate reductase (MTHFR). This patient experienced preterm contractions at 19 weeks gestation while traveling. She presented to a local provider for evaluation. In addition to routine obstetrics laboratory testing, she underwent testing for inherited thrombophilias. The patient reports that her provider recommended testing given her painful contractions to ensure that her pregnancy did not deteriorate. However, there is a paucity of peer-reviewed medical literature or guidelines supporting a clinical role for the testing performed in patients who present with preterm contractions.
Experimental/Investigational · 2020 · IMR EI20-33533
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for fetal chromosome microdeletion(s) genomic sequence analysis, circulating cell-free fetal DNA in maternal blood. While cell free fetal DNA testing for aneuploidy is currently standard of care, there is a paucity of support in the peer-reviewed medical literature for the routine use of genome analysis as performed in this patient’s evaluation and treatment. According to the American College of Obstetricians and Gynecologists (ACOG) recommendations, genome-wide cell-free DNA screening for large deletions or duplications is designed to detect abnormalities larger than those evaluated by cell-free DNA microdeletion screening.
Experimental/Investigational · 2023 · IMR EI23-39527

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 high risk pregnancy, 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 high risk pregnancy? Use the California record to prepare.

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