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Severe Persistent Asthma: when insurers say no, reviewers often say yes

In 16 published external-review decisions involving severe persistent asthma, independent physician reviewers overturned the insurer’s denial 87.5% of the time.

Published decisions
16
2001–2026
Overturned
87.5%
14 denials reversed

Most-fought treatments for severe persistent asthma

What insurers denied — and how those fights ended.
TreatmentDecisionsOverturned
Bronchial Thermoplasty12
83.3%

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
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
13
84.6%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
3
100%
Typical time to a decision
12 days
Most land between 6 and 15 days
Handled as urgent
62.5%
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 authorization and coverage for the bronchial thermoplasty for treatment of the enrollee’s persistent asthma. Findings: The physician reviewer found that according to the patient’s provider, the patient has poorly controlled severe persistent asthma with frequent exacerbations requiring systemic steroids. The patient is already on maximal conventional therapy for bronchial asthma including inhaled steroids and long-term beta-agonists, Breo Ellipta, leukotriene inhibitor, montelukast, and even parenteral therapy with monoclonal antibody, Xolair. In addition, the patient has developed side effects with use of systemic steroids and is still symptomatic daily and has frequent exacerbations of her bronchial asthma. This is precisely the type of patient for whom bronchial thermoplasty has been used and found to be useful.
Experimental/Investigational · 2017 · IMR EI17-26248
A 49-year-old male has requested bronchial thermoplasty for treatment of severe persistent asthma. Findings: Three physician reviewers found that the patient is a former smoker, with a history of poorly controlled, severe, persistent asthma, fibromyalgia, hypercholesterolemia, depression, gastroesophageal reflux disease, sinus disease, and atopy. Bronchial thermoplasty, the third of a planned three treatments, has been requested by the patient and the patient’s provider to treat the patient’s asthma. The patient has undergone the thermoplasty procedure on two previous occasions. A third planned treatment is requested for the upper lobes. The patient is currently receiving inhaled bronchodilators, inhaled corticosteroids, as well as inhaled and oral corticosteroids for severe persistent asthma.
Experimental/Investigational · 2013 · IMR EI13-14638

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 bronchial thermoplasty for treatment of the enrollee’s severe persistent asthma. Findings: The physician reviewer found that There is data supporting the benefits of bronchial thermoplasty for selected patients. In this patient’s case, his asthma symptoms are atypical, being strictly exertional dyspnea and without otherwise having a demonstrable trigger. Per the records, his methacholine is positive, and the immunoglobulin E (IgE) level and exhaled nitric oxide levels are elevated, pointing to some manner of allergic disease. This may account for his dyspnea. The documentation indicated that the patient was started on Xolair. However, the medical records do not reflect the effects of Xolair.
Experimental/Investigational · 2017 · IMR EI17-26394
Nature of Statutory Criteria/Case Summary: An enrollee has requested bronchial thermoplasty for treatment of her severe persistent asthma. Three physician reviewers found that per Torrego and colleagues, bronchial thermoplasty for patients with moderate to severe asthma can provide a modest clinical benefit in quality of life and lower rates of asthma exacerbations. Wahidi and Kraft reported that bronchial thermoplasty is an option for patients with severe asthma who continued to be symptomatic despite maximum medical treatment. However, there is a paucity of randomized controlled trials on patients with severe persistent asthma who experience more than three exacerbations of asthma in one year. This patient’s records document frequent exacerbations to include at least four to five times per year.
Experimental/Investigational · 2015 · IMR EI15-20711

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 severe persistent asthma 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 severe persistent asthma? 87.5% won.

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