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Plaque Psoriasis: when insurers say no, reviewers often say yes

In 93 published external-review decisions involving plaque psoriasis, independent physician reviewers overturned the insurer’s denial 67.7% of the time.

Published decisions
93
2001–2026
Overturned
67.7%
63 denials reversed

Most-fought treatments for plaque psoriasis

What insurers denied — and how those fights ended.
TreatmentDecisionsOverturned
Otezla39
51.3%

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
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
90
67.8%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
3
66.7%
Typical time to a decision
17 days
Most land between 10 and 21 days
Handled as urgent
16.1%
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 46-year-old male with a history of chronic plaque type psoriasis who has recurrent psoriatic skin disease. He has tried standard therapies including topical Dovonex, topical retinoids and topical and intralesional corticosteroids with chronic exacerbations and incomplete clearance. The patient has requested authorization and coverage for excimer laser treatments. The Health Plan has denied coverage for the requested therapy on the basis it is considered investigational for treatment of the patient’s condition.Traditionally, psoriasis has been difficult to treat successfully. Some patients respond better to certain therapies than other patients. At present, there is no method to determine which therapy will be most effective for a particular patient.
Experimental/Investigational · 2005 · IMR EI05-4838
A 45-year-old female enrollee has requested authorization and coverage for the medication Taltz. The Health Plan has denied this request indicating that the requested medication is not medically necessary for treatment of the enrollee’s plaque psoriasis. A review of the record indicates that the enrollee has been diagnosed with plaque psoriasis. The records reflect that the enrollee has a history of joint pain. The records indicate that the enrollee has tried and failed various treatments including methotrexate, clobetasol, Kenalog, and Nizoral shampoo. The enrollee has also tried Humira, and Stelara. The submitted records reflect that the enrollee has started treatment with Taltz. Traditional systemic therapies for psoriasis, including methotrexate and cyclosporine, have a well-documented array of toxicities, particularly end-organ toxicities.
Medical Necessity · 2018 · IMR MN18-29560

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 Stelara injections for treatment of the enrollee who has a history of severe plaque psoriasis. Findings: The physician reviewer found that the documentation provided does not support the medical necessity for the requested medication in this clinical setting. Due to the location of the psoriatic plaques, phototherapy is also not practical as penetration of the ultraviolet light is difficult in those areas. Due to her age and child-bearing status, use of acitretin is also not recommended. The provider noted that due to the patient’s history of malignancy, the patient is precluded from methotrexate, cyclosporine and tumor necrosis factor (TNF) inhibitors. However, the medication requested is also an injectable biologic agent.
Medical Necessity · 2016 · IMR MN16-24360
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for Otezla (apremilast) for treatment of her psoriasis. Findings: The physician reviewer found that the submitted documentation fails to demonstrate the medical necessity of the requested medication. The patient has a history of plaque psoriasis and concomitant hepatitis B infection, on therapy. The patient is not able to take methotrexate and cyclosporine due to presence of hepatitis B infection. She has already tried and failed therapy with acitretin due to intolerance and itching. Otezla is a newer medication that is not considered to be immunosuppressive. However, there is minimal data to suggest that Otezla is safe for those with hepatitis B.
Medical Necessity · 2017 · IMR MN17-24754

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 plaque psoriasis 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 plaque psoriasis? 67.7% won.

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