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Lung: when insurers say no, reviewers often say yes

In 264 published external-review decisions involving lung, independent physician reviewers overturned the insurer’s denial 53.8% of the time.

Published decisions
264
2001–2026
Overturned
53.8%
142 denials reversed

Most-fought treatments for lung

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Lab Work42
76.2%
Genetic Genomic Test29
79.3%
Chemotherapy23
39.1%
Cancer Rx15
46.7%
PET Scan14
64.3%
Investigational Tx13
46.2%
Radiation Oncology10
40%
Surgery9
33.3%

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.
186
59.1%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
76
39.5%
Typical time to a decision
10 days
Most land between 6 and 21 days
Handled as urgent
52.7%
Expedited when a delay would cause harm
Recent direction
Rising
50%64.5% overturned, last three years
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 68-year-old female first diagnosed with bronchoalveolar carcinoma of the lung in August 2004. She was originally treated what Iressa, and then with Tarceva. In April 2006 she was found to have progressive disease and began chemotherapy with carboplatin and Taxol. The patient’s provider recommends that Avastin be added to this chemotherapy regimen. The Health Plan denied the requested authorization based on a determination that the therapy is experimental/investigational in this clinical setting.Avastin is a member of a relatively new class of drugs, which presumably interfere with tumor angiogenesis. It is similar in some ways to both Iressa and Tarceva. Avastin has been approved for use, in combination with chemotherapy, in colon cancer and is being actively studied in other cancers.
Experimental/Investigational · 2006 · IMR EI06-5510
Physician 1: The patient is 60-year-old male with a complicated medical history who has been diagnosed with metastatic, stage IV, non-small cell adenocarcinoma of unknown primary origin. His chemotherapy regimen includes Taxotere and carboplatin. As available evidence suggests the lung may be the primary site of his cancer, his provider has recommended the addition of Avastin. The Health Plan has determined that the efficacy of Avastin is unproven in this clinical setting and therefore has denied coverage for the therapy. The use of Avastin in this setting is apparently based on the large, recently reported study cited above. Though it is only one study, it included 850 patients with good randomization between the group treated with chemotherapy alone versus the group treated with chemotherapy and Avastin.
Experimental/Investigational · 2006 · IMR EI06-5682

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1The patient is a 59-year-old man who had lung surgery in August 2002. At that time he had resection of his right lower lobe, revealing a poorly differentiated squamous cell cancer, 3cm in size, with negative nodes. In March 2003, the patient developed two areas of endobronchial recurrence. He then underwent chemotherapy with little response. An endobronchial biopsy in June 2003 again was positive. The patient was treated with external beam radiation therapy from June 2003 to July 2003. Repeat bronchoscopy in September 2003 showed persistence of one of the lesions and the patient was treated with local brachytherapy to this lesion.In December 2003, CT scan of the chest demonstrated two new pulmonary nodules, each about 1cm in size. One was at the right lung base and the other was in the superior segment of the right lower lobe.
Experimental/Investigational · 2004 · IMR EI04-3521
Physician 1: This patient is a 62-year-old female who was diagnosed with a right upper lobe 5 cm mass in February 2004. First-line treatment was surgery. This was followed by adjuvant treatment consisting of chemotherapy, DDP and navelbine with radiation therapy. The patient experienced a relapse one year out and received second-line chemotherapy with gemcitabine and Taxotere. This was followed with Iressa and then Tarceva. The patient has requested authorization and coverage to add Avastin to her treatment plan. The Health Plan has denied this request indicating Avastin has not been shown to be effective for treatment of the patient’s condition.The Health Plan’s denial should be upheld. The data for the combination of therapies involved in this case are very sparse and are not based on randomized controlled trials.
Experimental/Investigational · 2005 · IMR EI05-4879

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 lung 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 lung? 53.8% won.

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