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Resp Allergies: when insurers say no, reviewers often say yes

In 49 published external-review decisions involving resp allergies, independent physician reviewers overturned the insurer’s denial 55.1% of the time.

Published decisions
49
2001–2026
Overturned
55.1%
27 denials reversed

Most-fought treatments for resp allergies

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Tx For Allergies16
68.8%
Allergy Rx9
66.7%
Anti-histamines4
75%
Allergy Testing3
0%

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.
38
65.8%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
9
11.1%
Typical time to a decision
21 days
Most land between 15 and 22 days
Handled as urgent
18.4%
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

The patient is a 50-year-old male with a history of chronic sinusitis. He had maxillary advancement surgery in 1982. There is a questioned history of Caldwell-Luc sinus surgery in 1990. In 1992, the patient underwent right-sided functional endoscopic sinus surgery. In 2000, he continued with chronic sinusitis symptoms. Medical therapy has included allergy shots, multiple nasal steroid sprays, Atrovent, Astelin, Singulair, multiple oral antihistamines, oral steroids, Kenalog injections, in addition to multiple antibiotics. The patient subsequently underwent revisional functional endoscopic sinus surgery, septoplasty, and turbinate reduction surgery. Despite multiple surgical interventions and aggressive medical therapy he still continues to experience episodes of sinusitis. He was treated with a course of Rocephin in 2002.
Medical Necessity · 2005 · IMR MN05-4829
The patient is a 57-year-old male with moderate to severe allergic asthma and chronic sinusitis, with seasonal and year-round allergies. He has tried various medications but has been unresponsive to standard medical treatments. His lung function tests revealed a low FEV1.The patient underwent skin testing in 1997 with positive results to trees, grasses and weeds. His IgE level was reported as 39.1 IU/ml in May 1997. The patient’s current medications include Advair, Singulair, Flonase, Nexium, Zyrtec, Optivar, and Duratuss. He has also received a variety of other medications, including inhaled corticosteroids, theophylline and long-acting beta-agonists. Review of progress notes indicate the patient was taking 20mg prednisone in April 2002, indicating severe steroid dependency.
Medical Necessity · 2004 · IMR MN04-3593

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: An enrollee’s parent has requested reimbursement for allergy tests (immunoassay for allergy or toxicity and IgG food test). The patient’s provider recommended evaluation with testing as part of the treatment protocol within the tolerance induction program (TIP). The TIP is a form of oral immunotherapy (OIT), which is still in the early stages of development and still requires further investigations to optimize protocols and improve safety. The potential therapeutic benefits of OIT must be carefully considered in light of the significant potential for adverse events, including oropharyngeal, respiratory, or gastrointestinal symptoms.
Experimental/Investigational · 2024 · IMR EI24-40832
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient requested Cromolyn Sodium for the treatment of postural orthostatic tachycardia syndrome (POTS) and newly diagnosed mast cell activation syndrome (MCAS).Based on the clinical documentation for review, the requested cromolyn sodium is not medically necessary for the treatment of the patient’s POTS or MACS conditions. A study indicated that the symptoms associated with MCAS can be managed by blockade of mediator receptors with H1 and H2 antihistamines or leukotriene receptor blockade, inhibition of mediator synthesis with aspirin or zileuton, mediator release with cromolyn sodium, anti-immunoglobulin therapy, or a combination of these approaches. The provider letter dated 04/11/23 does indicate a diagnosis of MACS and that the patient utilizes cromolyn sodium.
Medical Necessity · 2023 · IMR MN23-39245

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 resp allergies 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 resp allergies? 55.1% won.

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