Tendon Problem denials in California external review

In the California DMHC record, independent physician reviewers decided 87 published external-review cases involving tendon problemand overturned the plan’s denial in 25.3%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
87
2003–2026
Overturned
25.3%
22 denials reversed

Most-fought treatments for tendon problem

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
MRI5
80%
Ligament Tendon Repair5
20%
Orthotics4
75%
Acupuncture3
66.7%
Physical Therapy3
33.3%
Anti-inflammatories3
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.
53
34%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
32
6.2%
Typical time to a decision
20 days
Most land between 8 and 21 days
Handled as urgent
21.8%
Expedited when a delay would cause harm
Recent direction
Falling
45.5%23.1% 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

Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for thumb surgery. As noted in the medical literature, the management of patients with painful bilateral thumb osteoarthrosis includes treatment beginning with simple conservative treatments such as activity modification, bracing, or exercise, progressing to pain medications and injections, and reserving surgical treatment as a final option. In this case, it is documented the patient has experienced progressively painful arthrosis at the base of both thumbs, worse on the left. The records document that the patient’s symptoms have been progressively painful and limiting despite years of conservative nonsurgical treatment including rest, bracing, activity modification, and three corticosteroid injections. The patient was found to have correlating findings on clinical examination and x-rays.
Medical Necessity · 2022 · IMR MN22-38280
Nature of Statutory Criteria/Case Summary: A patient has requested reimbursement for urgent care services and/or emergency medical services. Findings: The physician reviewer found that this patient received urgent care services and emergency medical services on the date of service in question. The medical literature supports that this patient’s injury required prompt diagnosis and surgical intervention. The provided medical records, specifically the ultrasound performed, corroborate a significant tendon tear. One pair of authors note that, “This type of injury requires prompt diagnosis and surgical repair, as the patellar tendon is a part of the extensor mechanism. The extensor mechanism of the knee is crucial to the function of the lower extremity, including ambulation.
Urgent Care · 2025 · IMR UR25-44393

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for any or all of the components of the requested left shoulder surgical procedure including arthroscopy, shoulder, surgical, with rotator cuff repair; tenodesis for rupture of long tendon of biceps; and/or arthroscopy, shoulder, surgical, debridement, extensive, three or more discrete structures. Researchers report, “In spite of a dramatic increase in the number of publications per year, there is little evidence that the results of rotator cuff repair are improving. The information needed to guide the management of this commonly treated and costly condition is seriously deficient.
Medical Necessity · 2024 · IMR MN24-41272
Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage a standing computed tomography (CT) scan. Bernasconi and colleagues state, “Over the last years, an increased number of studies have reported the use of cone beam weightbearing computed tomography (WBCT) in the assessment of foot and ankle pathology. This new technology has enabled to overcome the limits inherently related to two-dimensional radiographs (superimposition bias, operator-related bias, rotation bias) and to obtain images reproducing the bones and joints anatomy during physiological standing with a low radiation dose.” Godoy-Santos and colleagues state, “Cone-beam computed tomography (CBCT) has been applied in dentistry and medicine for nearly two decades. Its application in the foot and ankle specialty has grown exponentially in recent years.
Medical Necessity · 2022 · IMR MN22-37291

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 tendon problem, 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 tendon problem? Use the California record to prepare.

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