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

In 24 published external-review decisions involving resp infection, independent physician reviewers overturned the insurer’s denial 41.7% of the time.

Published decisions
24
2001–2026
Overturned
41.7%
10 denials reversed

Most-fought treatments for resp infection

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Emergency Room7
28.6%
Anti-Fungal3
33.3%
Urgent Care3
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
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
13
38.5%
Urgent Care
Expedited reviews, decided in days rather than weeks.
10
40%
Typical time to a decision
19 days
Most land between 13 and 21 days
Handled as urgent
29.2%
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: The patient’s parent has requested reimbursement for inpatient neonatal intensive care unit (NICU) services. There are well-defined criteria for the safe discharge of neonatal patients. This patient had been stressed in utero, as evidenced by the meconium-stained fluid and thick meconium in her mouth and nose, the need for emergent cesarean section, depressed state at delivery, respiratory distress, and need for non-invasive ventilatory support, and chest radiographic findings.
Medical Necessity · 2024 · IMR MN24-41349
A 23-year-old female enrollee has requested reimbursement for urgent care services. Findings: The physician reviewer found that the patient presented for urgent care due to a history of productive cough, headache, runny nose, scratchy throat and phlegm for four days. She complained of having felt feverish. Her brother was also ill for a period of time. The patient’s symptoms were unresponsive to over the counter medications. Her vital signs were normal. A letter from the patient and her parent indicated that the patient’s primary care physician did not have an appointment available for several weeks. Physical examination on the date in question was significant for erythema of the pharynx. The patient was diagnosed with an acute respiratory infection and was discharged on antibiotics and an antitussive medication.
Urgent Care · 2012 · IMR UR12-13972

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: The parent of an enrollee has requested authorization and coverage for the Synagis vaccine. At issue in this case is whether the requested Synagis vaccine is medically necessary for treatment of the enrollee’s medical condition. In 2014, the American Academy of Pediatrics issued new guidelines for the administration of Synagis for respiratory syncytial virus (RSV) prophylaxis based on review of current peer-reviewed literature related to burden of RSV in infants and children with emphasis on those at highest risk of severe disease.
Medical Necessity · 2018 · IMR MN18-29791
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for intravenous immunoglobulin (IVIG) with Gammagard 45 grams intravenous (IV) every three weeks. Findings: The physician reviewer found that patients with IgG subclass deficiency require more extensive diagnostic evaluation including the demonstration of a poor antibody response to vaccine challenge to support a diagnosis of a clinically significant IgG subclass deficiency. Subclass deficiencies need to be carefully interpreted taking into account the clinical status of the patient as well as the patient’s ability to produce specific antibodies in response to vaccines.
Medical Necessity · 2018 · IMR MN18-27472

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 infection 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 infection? 41.7% won.

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