Palpitations denials in California external review

In the California DMHC record, independent physician reviewers decided 28 published external-review cases involving palpitationsand overturned the plan’s denial in 25%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
28
2010–2026
Overturned
25%
7 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
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
16
6.2%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
10
50%
Typical time to a decision
20 days
Most land between 14 and 21 days
Handled as urgent
21.4%
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

Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for a tilt table test. The records document that this patient presented to her provider with complaints of dizziness and palpitations. The patient is noted to have a history of Ehlers-Danlos syndrome and mast cell activation syndrome. Palpitations are sensations of a rapid or irregular heartbeat and are commonly caused by cardiac arrhythmias or anxiety, though there are many other causes as well. When palpitations are accompanied by dizziness, it is considered a more serious condition that requires further assessment. The patient underwent evaluation for unexplained symptoms of dizziness and palpitations with an echocardiogram, which was normal, and Zio monitor, which demonstrated abnormal atrial tachycardia.
Experimental/Investigational · 2023 · IMR EI23-40089
Nature of Statutory Criteria/Case Summary: A patient has requested authorization and coverage for an electrophysiology study using advanced electrophysiology technology, including Stereotaxis magnetic navigation systems. In this case, the patient presents with palpitations of multifactorial etiology and has complex arrhythmic status. The records indicate that serious cardiovascular disorders and rhythm disturbances have been excluded through exhaustive and repetitive testing. However, the patient continues to experience palpitations with different monitoring strategies showing various rhythm findings corresponding to the reported symptoms, and some recordings showing normal (sinus) rhythm.
Medical Necessity · 2025 · IMR MN25-44010

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 reimbursement for a heart monitor. In this case, if cardiac monitoring were thought to be indicated to evaluate for palpitations, then non-real time (off-line) monitoring devices such as extended (48 hour) Holter monitoring or off-line event monitoring should be sufficient for the identification of both symptomatic and asymptomatic dysrhythmias including atrial fibrillation. Continuous off-line 24-to-48 hour Holter monitoring should be able to effectively identify symptomatic or asymptomatic dysrhythmias that occur frequently. Likewise, self-activated non-real time and non-continuous monitoring devices (event recorders) should be effective at recording symptomatic dysrhythmias during less frequent symptoms.
Experimental/Investigational · 2023 · IMR EI23-40451
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for the blood test, advanced lipoprotein testing for evaluation of the enrollee, who presented with heart palpitations. Findings: The physician reviewers found that The patient no prior history of heart disease. She presented with four to five week history of intermittent palpitations and anxiety. Her blood pressure, pulse and cardiopulmonary examinations were normal. The patient’s resting electrocardiogram (EKG) was also normal. The patient’s provider referred the patient for blood testing including chemistries, standard lipids profiles, advanced lipoprotein studies and advanced coagulation and metabolic studies. Per the Health Plan, the services at issue were investigational for the evaluation of this patient.
Experimental/Investigational · 2016 · IMR EI16-24185

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 palpitations, 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 palpitations? Use the California record to prepare.

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