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Short Of Breath: when insurers say no, reviewers often say yes

In 26 published external-review decisions involving short of breath, independent physician reviewers overturned the insurer’s denial 46.2% of the time.

Published decisions
26
2001–2026
Overturned
46.2%
12 denials reversed

Most-fought treatments for short of breath

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Emergency Room6
66.7%
PET Scan3
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.
14
35.7%
Urgent Care
Expedited reviews, decided in days rather than weeks.
9
55.6%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
3
66.7%
Typical time to a decision
17 days
Most land between 9 and 21 days
Handled as urgent
19.2%
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

Nature of Statutory Criteria/Case Summary:An enrollee has requested reimbursement for immunoglobulin G (IgG) testing (CPT 86001 x 6) for evaluation of the enrollee, who reported a history of chest tightness and pressure. Findings: The physician reviewer found that allergic bronchopulmonary aspergillosis (ABPA) is an immunologic bronchopulmonary inflammation due to an immune response against Aspergillus fumigatus. The major clinical features of ABPA include asthma, recurrent pulmonary infiltrates, immediate wheal-and-flare skin reactivity to Aspergillus fumigatus, elevated total serum immunoglobulin E (IgE) levels, detectable serum precipitating antibodies to Aspergillus fumigatus, peripheral blood eosinophilia, elevated levels of Aspergillus-specific serum IgE and central bronchiectasis.
Experimental/Investigational · 2018 · IMR EI18-27573
The patient is a 49-year-old male who is HIV positive and under the care of a HIV care physician who has requested a recombinant human growth hormone (Serostim) to treat severe lipohypertrophy (also referred to as visceral adipose tissue accumulation or lipodystrophy).He is described as having massive accumulation of intra-abdominal fat, which interferes with his activities of daily living and has caused shortness of breath and exacerbated his asthma by compressing the diaphram and causing obstructive lung disease. In addition, both a neurologist and a neurosurgeon have diagnosed neuralgia parasitica causing numbness of the thighs, legs and feet. The cause of this is nerve compression caused by progressive increase in abdominal girth due to the visceral fat accumulation of HIV lipodystrophy.
Medical Necessity · 2005 · IMR MN05-4555

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: The patient is a 60-year-old female who was recently involved in a motor vehicle accident. An emergency CT scan was performed to rule out fracture or intra-abdominal injury. The chest CT revealed 3mm calcified nodule in the right mid lung. Enlarged lymph nodes were identified in the hilar and pre-carinal regions measuring up to 4.2cm in the left hilum. Right hilar and sub-carinal calcifications were also present. The abdominal and pelvic CTs were negative. The findings are consistent with previous granulomatous disease and bilateral hilar and mediastinal adenopathy of unknown etiology. The patient also has a history of recent weight loss and chronic GI symptoms. The patient’s clinician has requested authorization for a PET scan to further evaluate the adenopathy.
Experimental/Investigational · 2006 · IMR EI06-5223
A 41-year-old female enrollee has requested CPT codes, 99215, 36415, 76977, 82270 X 3, 82365, 82397 x 122, 99000, 99001, 93720, 93922 x 2, 94010 x 2, A4649 x 4, A4556NU, A4617NU X 2, A4927NU, 99214, and 82365, for evaluation of her medical condition. Findings: The physician reviewer found that with regard to CPT code 76977 (bone mass screening by ultrasound), this study was not medically necessary in a patient of this patient’s age without a history of hyperparathyroidism. In addition, there were no clinical indications for CPT code 82365 (infrared spectroscopy) based on the documentation provided. CPT code 82397 (chemoluminescence), is not within the standard of care in this particular setting and thus was not medically necessary. CPT code 93720 (body plethysmography) is indicated for patients who have air spaces within the lung that do not communicate with the bronchial tree.
Medical Necessity · 2010 · IMR MN10-11302

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 short of breath 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 short of breath? 46.2% won.

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