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Invasive Ductal Carcinoma Of The Breast: when insurers say no, reviewers often say yes

In 14 published external-review decisions involving invasive ductal carcinoma of the breast, independent physician reviewers overturned the insurer’s denial 64.3% of the time.

Published decisions
14
2001–2026
Overturned
64.3%
9 denials reversed
Typical time to a decision
18 days
Most land between 8 and 21 days
Handled as urgent
28.6%
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

Physician 1: The patient is a 59-year-old woman diagnosed with breast cancer in January 2005. She was found to have a 1.1 cm high-grade invasive ductal carcinoma. Estrogen receptor was positive, progesterone receptor was borderline, and HER2 was overexpresed. Axillary nodes were negative. Apparently, the tumor was sent for Oncotype genomic analysis; the results indicated the patient’s recurrence score was 54, which places her predicted rate of recurrence by 10 years at 34%. The patient was then treated with adjuvant chemotherapy including cycles of Adriamycin/Cytoxan and then Taxol. It has now been proposed that the patient also be treated with Herceptin.
Experimental/Investigational · 2005 · IMR EI05-4835
Physician #1: The patient is a 59-year-old woman diagnosed with breast cancer in February 2005. At that time she was found to have a 1.4cm invasive ductal carcinoma with negative axillary nodes. Her estrogen receptor was positive and HER2 was negative. She underwent an Oncotype DX assay and was found to have a low recurrence score. On the basis of that assay the decision was made to forgo adjuvant chemotherapy.At issue is whether the use of the Oncotype DX assay was likely to be more beneficial for evaluation of the patient’s medical condition than any available standard therapy.Oncotype DX assay is a relatively new assay wherein 21 genes are analyzed in a breast cancer, allowing for the development of a prognostic score. This score then allows one to place a patient into a risk category for recurrence (low, intermediate, or high).
Experimental/Investigational · 2006 · IMR EI06-5395

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: This patient is a 55-year-old woman diagnosed with breast cancer in September 2005. At that time she was found to have a 1.5 cm invasive ductal carcinoma, intermediate grade, with negative nodes. The estrogen receptor was positive and HER2 was positive. Her tissue was submitted for “Oncotype DX” assay. This assay gave her a risk of recurrence of 34%. Accordingly, she underwent adjuvant chemotherapy. The Health Plan deemed the diagnostic procedure experimental/investigational and denied her request for reimbursement.The decision as to the appropriateness of adjuvant chemotherapy is a difficult one in Stage I breast cancer. The “Oncotype DX” assay does appear to add meaningful prognostic information in this situation.
Experimental/Investigational · 2006 · IMR EI06-5147
Physician 1: The patient is a 52-year-old female who was diagnosed with invasive ductal carcinoma of the breast found to be T2N0M0, ER positive, PR positive, and HER2 positive. The Oncotype DX assay was performed to help guide her choice of therapy. The patient now requests reimbursement for the diagnostic procedure. The Health Plan considers the Oncotype DX experimental/investigational and has denied reimbursement and coverage.There are no prospective clinical trials that have demonstrated that this assay can be used to select a specific therapy that will provide the individual patient with a better therapeutic outcome than would be achieved with the current guidelines for selection of therapy. Such studies are currently in progress, and until such data are available, use of this test is investigational.
Experimental/Investigational · 2006 · IMR EI06-5263

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 invasive ductal carcinoma of the breast 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 invasive ductal carcinoma of the breast? 64.3% won.

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