Pancreatic Cancer denials in California external review

In the California DMHC record, independent physician reviewers decided 50 published external-review cases involving pancreatic cancerand overturned the plan’s denial in 64%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
50
2004–2024
Overturned
64%
32 denials reversed

Most-fought treatments for pancreatic cancer

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Stereotactic Body Radiotherapy5
60%
Intensity Modulated Radiation Therapy4
75%
Pet Scan4
100%
Guardant 3603
100%
Pet Ct Scan3
66.7%
Tarceva3
66.7%

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.
33
60.6%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
17
70.6%
Typical time to a decision
7 days
Most land between 5 and 18 days
Handled as urgent
70%
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 genetic testing service, Guardant360. Pancreatic cancer has a poor prognosis and is fatal in most patients. While inoperable advanced pancreatic cancer is an incurable disease, chemotherapy may prolong survival but not induce a cure. In all cases, the genetic mutations present within the pancreatic cancer may be of prognostic significance and help direct therapy. The National Comprehensive Cancer Network (NCCN) guidelines include mutational analysis as part of its algorithms, although this is restricted to testing on the primary tumor samples. The NCCN notes that germline testing is recommended for any patient with confirmed pancreatic cancer, using comprehensive gene panels for hereditary cancer syndromes.
Experimental/Investigational · 2024 · IMR EI24-40746
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for Molecular Pathology.Findings: The physician reviewer found that In all cases, the genetic mutations that are present with pancreatic cancer can provide prognostic significance and can help direct therapy. Mutational analysis is part of the algorithms that are included within the National Comprehensive Cancer Network (NCCN) Clinical Practice Guidelines for pancreatic cancer. According to the NCCN guidelines, germline testing is recommended for any patient with confirmed pancreatic cancer, using comprehensive gene panels for hereditary cancer syndromes. The guidelines recommend genetic counseling for patients who test positive for a pathogenic mutation or for patients with a positive family history of cancer, especially pancreatic cancer, regardless of mutation status.
Experimental/Investigational · 2021 · IMR EI21-34704

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient is a 60-year-old man who underwent a Whipple’s procedure for a well-differentiated pancreatic cancer stage T3, N1, M0 in March 2005. The tumor extended into the peripancreatic fat and all gross tumor was removed. The 3.5 cm tumor was associated with the involvement of 8 of 13 lymph nodes. The patient next underwent chemotherapy, which was completed at the end of November 2005. He is now ready for radiation therapy and there is a dispute on the method: intensity modulated radiation therapy (IMRT) versus conventional radiation therapy. The Health Plan has denied authorization and coverage for IMRT based upon their determination that it is an investigational therapy in the treatment of pancreatic cancer.The patient has a defined chance of local recurrence because of the extension of the cancer into the peripancreatic fat and the lymph node involvement.
Experimental/Investigational · 2005 · IMR EI05-5043
Physician 1The patient is a 62-year-old woman who was diagnosed with extensive cancer of the pancreas in September 2002. She had bilateral pulmonary metastases. Her condition was that of an unresectable cancer of the pancreas, stage IV. The patient was treated with 14 cycles of chemotherapy, which after 16 months is failing to be effective. On 4/23/04, CT scans showed progression of pulmonary metastases to 7mm in diameter. The pancreatic mass has increased and so has the lateral hepatic mass extending to the right intercostal space. The patient’s medical oncologist wishes to enroll the patient in a phase I clinical trial involving a Cytoxan-Celebrex combination. The Health Plan has denied authorization for the requested therapy on the basis that it is considered experimental.Since September 2002 the patient has had stage IV pancreatic cancer, which has a poor prognosis.
Experimental/Investigational · 2004 · IMR EI04-3646

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 pancreatic cancer, 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 pancreatic cancer? Use the California record to prepare.

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