Pregnancy denials in California external review

In the California DMHC record, independent physician reviewers decided 54 published external-review cases involving pregnancyand overturned the plan’s denial in 40.7%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
54
2003–2026
Overturned
40.7%
22 denials reversed

Most-fought treatments for pregnancy

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Cell Free Dna Testing4
25%
Gene Panel Testing3
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.
31
45.2%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
22
36.4%
Typical time to a decision
20 days
Most land between 8 and 21 days
Handled as urgent
20.4%
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

Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for cell-free fetal DNA-based prenatal testing for fetal sex chromosome aneuploidies and microdeletion syndromes for evaluation of the enrollee’s pregnancy. Findings: The physician reviewers found that Fetal aneuploidy screening is supported for all pregnant patients by the American College of Obstetricians and Gynecologists and the Society for Maternal Fetal Medicine. Cell-free DNA testing has been validated as having a high detection rate for fetal chromosomal abnormalities, including sex chromosomes. This patient’s age places her at increased risk for all fetal chromosomal abnormalities. Currently, the screening test of choice is cell-free DNA testing. Part of the commercial testing includes an analysis of fetal sex chromosomes. Fetal sex chromosomal abnormalities are common.
Experimental/Investigational · 2017 · IMR EI17-25856
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for fetal echocardiography with doppler color flow velocity mapping services. Findings: The physician reviewer found that guidelines and medical literature supports evaluation with an anatomic scan including standard cardiac anatomy in the latter part of the first trimester for all pregnancies. Data suggest that a subsequent separate fetal echocardiography is recommended when there is an increased risk of cardiac anomalies. As noted by Copel and colleagues, “The optimum gestational age for screening for structural fetal cardiac anomalies is 18 to 22 weeks of gestation.
Medical Necessity · 2021 · IMR MN21-34834

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 water birth, delayed cord clamping longer than two minutes, and in-home postnatal care and checkup.Water birth has been advocated as a non-pharmacologic technique. However, according to a review by Cluett and colleagues, evidence of the efficacy of water birth is limited since few randomized trials have been performed and most had a small number of subjects, wide variations in patient populations or study design, and methodological flaws.
Medical Necessity · 2021 · IMR MN21-36144
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for gene test (fetal chromosomal aneuploidy) for evaluation of the enrollee who was undergoing prenatal care. Findings: The physician reviewer found that There is a lack of support in the medical literature for the services at issue. The American College of Obstetrics and Gynecology (ACOG) in conjunction with the Society for Maternal-Fetal Medicine recently (July 2015) addressed the issue of the use of cell free DNA testing, “given the performance of conventional screening methods, the limitations of cell free DNA screening performance, and the limited data on cost effectiveness in the low risk obstetrical population, conventional screening methods remain the most appropriate choice for first line screening for most women in the general obstetric population.” The chart does indicate that the patient had fi…
Experimental/Investigational · 2018 · IMR EI18-27484

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 pregnancy, 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 pregnancy? Use the California record to prepare.

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