Stroke denials in California external review

In the California DMHC record, independent physician reviewers decided 77 published external-review cases involving strokeand overturned the plan’s denial in 27.3%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
77
2002–2026
Overturned
27.3%
21 denials reversed

Most-fought treatments for stroke

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Physical Therapy7
57.1%
Occupational Therapy6
50%
Skilled Nursing Facility6
16.7%
Acute Inpatient Rehabilitation6
33.3%
Speech Therapy5
80%
Skilled Nursing Facility Care3
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.
65
23.1%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
12
50%
Typical time to a decision
9 days
Most land between 4 and 20 days
Handled as urgent
48.1%
Expedited when a delay would cause harm
Recent direction
Rising
0%50% overturned, last three years

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 requested authorization and coverage for skilled nursing facility (SNF) services including physical therapy (PT) for 5 days/week x 1 hour/day until the enrollee is able to self-transfer to a wheelchair and wheels himself around, is able to self-transfer to a shower chair (and back to another chair), be able to walk on his own and be able to transfer assistance to home care; speech therapy (ST) for 5 days/week x 1 hour/day, until the enrollee is able to eat and swallow without aspiration risk (to get rid of the PEG-tube), be able to transfer assistance to home care, and speak enough to communicate and occupational therapy (OT) for 5 days/week x 30 minutes/day, until the enrollee is able to feed himself, to have control of his hands, be able to dress himself, brush his teeth and possibly be a…
Medical Necessity · 2024 · IMR MN24-42269
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: A patient has requested reimbursement and prospective authorization and coverage for acute rehabilitation services, or in the alternative, skilled nursing facility (SNF) level of care services. The records indicate that this patient has a history of diabetes mellitus type II, hypertension, and chronic kidney disease. The patient was admitted to the hospital for a stroke with left-sided hemiparesis, dysarthria, and dysphagia due to an occlusion of the right posterior cerebral artery. The patient underwent a thrombectomy and the hospital stay was notable for a urinary tract infection requiring antibiotics. The patient was admitted to acute inpatient rehabilitation. The patient’s acute inpatient rehabilitation stay was notable for acute diverticulitis, and he was started on prophylactic antibiotics.
Medical Necessity · 2025 · IMR MN25-43677

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Nature of Statutory Criteria/Case Summary: The patient sustained a stroke, which affected his motor and sensory systems on the left side. He has been treated with outpatient therapy since August 2016, which has included therapeutic exercise, therapeutic activities, and neuromuscular re-education. From August 2016 to December 2016, the patient attended therapy that was aimed at decreasing his impairments, improving left-sided motor control, and improving his overall functioning. The patient was noted to be less fearful using his left lower limb for tasks such as standing in the kitchen and dressing himself. Decreased left shoulder tightness and inconsistent improvements in active assisted shoulder flexion were noted. There had been no improvements in active movements of his left hand. His left hand was tight, and he was not consistently wearing his left wrist-hand orthosis.
Medical Necessity · 2019 · IMR MN19-30330
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for skilled nursing (SN) level of care services for physical therapy, occupational therapy and speech therapy. Admission to a skilled nursing facility (SNF) is appropriate for patients with conditions requiring observation, treatment plan evaluation, physician updating orders, and constantly available skilled nursing services. Skilled nursing services may include wound management, tracheostomy care, bowel and bladder training, tube feeding, and administering intravenous (IV) medications or medications that cannot be self-administered safely. Skilled nursing observation may include regularly monitoring vital signs, skin in the setting of wounds, and intake and output.
Medical Necessity · 2024 · IMR MN24-41974

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California external-review outcomes. Other state and federal programs have different eligibility rules, processes, and current availability; the rates here do not transfer to those programs or predict an individual result. 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 describe eligible cases completed through California DMHC’s Independent Medical Review program. They do not estimate the chance that an internal appeal, an external review in another jurisdiction, or your individual case will succeed. Use the record to identify evidence patterns involving stroke, then check the rights and deadlines that apply to your plan.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · AGGREGATES + DEIDENTIFIED DECISION EXCERPTS/REFERENCE IDS · 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 stroke? Use the California record to prepare.

Explain my denial — freeStart my appeal · $39