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Skin Lesion: when insurers say no, reviewers often say yes

In 36 published external-review decisions involving skin lesion, independent physician reviewers overturned the insurer’s denial 66.7% of the time.

Published decisions
36
2001–2026
Overturned
66.7%
24 denials reversed

Most-fought treatments for skin lesion

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Genetic Genomic Test3
33.3%
IVIG Therapy3
100%

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.
22
63.6%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
14
71.4%
Typical time to a decision
15 days
Most land between 8 and 21 days
Handled as urgent
22.2%
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 Afirma gene expression classifier test. The Health Plan has denied this request indicating that the services at issue were considered investigational for evaluation of the enrollee’s indeterminate thyroid nodule. Findings: The physician reviewer found that The patient is diagnosed with a 3.5 cm nodule in left thyroid lobe. Thyroid biopsy cytopathology was consistent with atypia of undetermined significance (AUS). The specimen was then sent for molecular testing resulting in suspicious results. The patient has requested reimbursement for the Afirma gene expression classifier. The Health Plan denied reimbursement and noted that the gene testing was investigational for the evaluation of this patient.
Experimental/Investigational · 2017 · IMR EI17-26465
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for Afirma Gene Expression Classifier testing for evaluation of the enrollee’s thyroid nodules. Findings: The physician reviewer found that The physician reviewer found that while a fine needle aspiration biopsy of a suspicious thyroid nodule is typically an accurate means of assessing whether the nodule is benign or malignant, approximately 15% of fine needle aspiration biopsy results are considered to be indeterminate. Until recently, the only way to establish whether the nodule was thyroid cancer was via surgical excision, even though the majority of the cases turn out to be benign.
Experimental/Investigational · 2017 · IMR EI17-27229

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 Juvederm injections for treatment of her medical condition. Findings: The physician reviewer found that in this patient’s case, the condition constitutes an abnormal structure of the body. The patient has evidence of lesions/changes that are consistent with chronic biting. The patient also has some evidence of facial soft tissue atrophy. This would be considered abnormal. The chronic biting provides a form of trauma that has led to the lesions/condition. However, the requested services will not be performed to improve function. The use of Juvederm as a functional treatment of her chronic biting is not a standard therapy. In addition, conservative management and other treatment choices have not been adequately documented.
Medical Necessity · 2016 · IMR MN16-21808
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for 120 units of hyperbaric oxygen therapy (HBOT), press full body chamber. The records provided for review document that this transgender patient underwent a body contouring procedure with grafting of 1100 cc of fat to the flanks and buttocks. Postoperative evaluation two days after the procedure showed normal postoperative healing with swelling, tenderness, and ecchymosis. There was no report of findings indicating compromised healing of the liposuction or the fat grafted areas or threatened or compromised surgical grafts. The patient’s provider has recommended treatment with HBOT.
Medical Necessity · 2022 · IMR MN22-36912

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 skin lesion 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 skin lesion? 66.7% won.

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