Menopause denials in California external review

In the California DMHC record, independent physician reviewers decided 35 published external-review cases involving menopauseand overturned the plan’s denial in 22.9%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
35
2001–2025
Overturned
22.9%
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.
26
23.1%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
9
22.2%
Typical time to a decision
20 days
Most land between 13 and 21 days
Handled as urgent
5.7%
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 patient has requested reimbursement and prospective authorization and coverage for Femring 0.05 mg/24 hour vaginal ring. As noted in the medical literature, postmenopausal female patients should be treated for their symptoms. HRT in the form of estrogen and progesterone is the most studied form with ample data on its advantages and disadvantages. The preferred form of estrogen is 17 beta-estradiol, which is structurally identical to the main estrogen produced by the ovary, and this is the estrogen contained in Femring. In this case, the patient’s provider reports that the benefits of using HRT outweigh the risks of discontinuation. The provider reported concern over the patient’s significant mood deterioration without Femring treatment.
Medical Necessity · 2022 · IMR MN22-37340
The enrollee is requesting authorization and coverage for acupuncture service. The enrollee has menopausal symptoms; including hot flashes, night sweats and mood swings. The enrollee is trying to avoid hormone replacement therapy. The enrollee’s physician explained that all non-hormonal medical management options have been exhausted except gabapentin. The enrollee is not interested in gabapentin because of daytime sleepiness and dizziness. She is interested in acupuncture because she wants to rule out all possible treatment options prior to considering hormone replacement therapy. Scientific literature and studies have shown the efficacy of acupuncture for menopausal symptoms. Studies report a standardized six-week acupuncture treatment produced a fast and clinically relevant reduction in moderate-to-severe menopausal symptoms.
Medical Necessity · 2019 · IMR MN19-32280

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 hormone based blood tests, two times per year for evaluation of the enrollee’s menopausal symptoms. Findings: The physician reviewer found that menopausal management is a very complex issue. Patients have a variety of physiologic and emotional symptoms related to the change in their hormonal milieu that occurs with cessation of ovarian and or adrenal hormonal production. Management of these symptoms typically needs to be individualized and tailored to help address the specific symptoms the patient may be experiencing and kept in context with any other medical issues they may have. Some of these more traditional therapies may include exercise, weight loss, topical lubricants and moisturizers, topical estrogens, stress reduction, biofeedback, counseling, and serotonin reuptake drugs.
Medical Necessity · 2017 · IMR MN17-25006
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for hormone implants for treatment of the enrollee’s menopausal symptoms. The 3 physician reviewer found menopausal management is a complex issue. Patients have a variety of physiologic and emotional symptoms related to the change in their hormonal milieu that occurs with cessation of ovarian and/or adrenal hormonal production. Management of these symptoms typically needs to be individualized and tailored to help address the specific symptoms the patient may be experiencing and kept in context with any other medical issues they may have. Some of these more traditional therapies may include, exercise, weight loss, topical lubricants and moisturizers, topical estrogens, stress reduction, biofeedback, counseling, and serotonin reuptake drugs.
Experimental/Investigational · 2018 · IMR EI18-27601

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 menopause, 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 menopause? Use the California record to prepare.

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