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Pulmonary Fibrosis: when insurers say no, reviewers often say yes

In 25 published external-review decisions involving pulmonary fibrosis, independent physician reviewers overturned the insurer’s denial 44% of the time.

Published decisions
25
2001–2026
Overturned
44%
11 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.
19
47.4%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
5
20%
Typical time to a decision
15 days
Most land between 9 and 21 days
Handled as urgent
40%
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 authorization and coverage for Rituxan (rituximab 1000 mg every two weeks). Sharp and colleagues explain that connective tissue disease-associated interstitial lung disease often fails to respond to conventional immunomodulatory agents. In examining the results of 24 patients with interstitial lung disease patients treated with rituximab after failing to improve with standard therapy, the authors reported that lung imaging remained stable or improved for 11 patients, while worsening was observed in nine patients. The authors found that decline in forced vital capacity (FVC) improved following rituximab treatment, while diffusion capacity of carbon monoxide was stable. The authors concluded that rituximab is a therapeutic option in treatment-refractory connective tissue disease-associated interstitial lung disease.
Medical Necessity · 2022 · IMR MN22-36825
Nature of Statutory Criteria/Case Summary: The patient has been diagnosed with idiopathic pulmonary fibrosis (IPF). The patient had a chest CT scan that found interval extensive progression of pulmonary fibrosis, with increased extensive honeycombing in the bilateral lower lobes, left greater than right, especially in the sub-pleural left lower lobes medially and right lower lobe. The CT scan also revealed an increase in honeycombing in the left upper lobe anteromedially, and to a lesser extent to the anteromedial sub-pleural right upper lobe. The patient was seen for evaluation of idiopathic pulmonary fibrosis. The patient had mild symptoms of coughing with breathlessness. Ultimately, the patient was noted as having dry inspiratory crackles on the physical exam. A chest x-ray was noted to be consistent with reticular opacities.
Medical Necessity · 2018 · IMR MN18-29565

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
The patient is a 59-year-old male with idiopathic pulmonary fibrosis (IPF). According to an initial consultation with his pulmonologist, the patient has a medical history of diabetes mellitus, coronary artery disease, and is status post coronary artery bypass graft. At this consultation, the patient presented with progressive shortness of breath, non-productive cough and abnormal chest radiograph. The patient was previously hospitalized twice for pneumonia. Spirometry showed FVC 71%, FEV1 82%, and FEV1/FVC 92%. On 2/4/04, a CT scan of the chest revealed bilateral interstitial fibrosis primarily at the bases and periphery. Results of bronchial washings and transbronchial biopsy performed on 2/13/04 were non-diagnostic. On 3/1/04, an open lung biopsy revealed unusual interstitial pneumonitis.
Medical Necessity · 2005 · IMR MN05-4213
The enrollee is requesting authorization and coverage for vest airway clearance system. The enrollee has a history of pulmonary fibrosis, bronchiectasis, and chronic obstructive pulmonary disease. He requires chest physical therapy to clear secretions and currently does not have a caregiver to perform it. The enrollee’s advocate reports consistent, aggressive airway clearance is necessary for the enrollee to maintain his pulmonary function. Retention of secretions can lead to chronic inflammation and progressive lung damage, with the possibility of developing resistance to standard treatment. Medical records did not demonstrate this enrollee had a continuous, productive cough for more than six months. Records do not demonstrate that this enrollee experienced frequent exacerbations, more than two, in the last year which required treatment with anti-infective medications.
Medical Necessity · 2020 · IMR MN20-32417

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 pulmonary fibrosis 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 pulmonary fibrosis? 44% won.

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