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Transient Ischemic Attack: when insurers say no, reviewers often say yes

In 13 published external-review decisions involving transient ischemic attack, independent physician reviewers overturned the insurer’s denial 53.8% of the time.

Published decisions
13
2001–2026
Overturned
53.8%
7 denials reversed

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.
10
40%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
3
100%
Typical time to a decision
21 days
Most land between 15 and 26 days
Handled as urgent
30.8%
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

Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: A patient has requested reimbursement for external mobile cardiovascular telemetry monitor services. Continuous cardiac monitoring is a well-established component of the diagnostic workup for suspected ischemic stroke or transient neurologic deficits. Leading expert guidelines recommend at least 24 hours of continuous cardiac monitoring for all patients with suspected acute ischemic stroke or transient ischemic attack, with extended outpatient monitoring when an initial evaluation is unrevealing. The results from a recent meta-analysis reinforce these recommendations. In this case, the patient presented with a cryptogenic transient ischemic attack and acute right-sided sensory-motor deficits, and magnetic resonance imaging of the brain was unremarkable.
Experimental/Investigational · 2025 · IMR EI25-46202
Nature of Statutory Criteria/Case Summary: The patient has requested reimbursement for brain magnetic resonance imaging (MRI) (CPT 70553), and/or head magnetic resonance angiography (MRA) (CPT 70546), and/or neck MRA (CPT 70549). Diplopia is a common symptom identified in ophthalmological and neurological patients with multiple underlying causes. The onset of diplopia is most often sudden, but it can also be gradual, determined by trauma, or spontaneous. While the acute onset is more suggestive of a vascular event but is not specific, the gradual progression or diplopia that has changed the pattern is more indicative of a compressive lesion (Iliescu, et al.). In the diagnosis and management of transient ischemic attack and stroke, imaging of the brain and intracranial and extracranial blood vessels is an important part of the diagnostic assessment.
Medical Necessity · 2022 · IMR MN22-36670

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 reimbursement and prospective authorization and coverage for skilled nursing facility (SNF) services including physical therapy and occupational therapy services provided for treatment of the enrollee’s transient ischemic attack (TIA), epilepsy, and pressure ulcers. Findings: The physician reviewer found that based on the medical records provided for review, the SNF services including physical therapy and occupational therapy services provided were not and are not medically necessary for treatment of this patient’s medical condition. Patients require SNF services or skilled rehabilitation services when they are needed on a daily basis and the daily skilled services can be provided only on an inpatient basis in a SNF. The documentation does not reveal that this patient requires SNF services.
Medical Necessity · 2016 · IMR MN16-23990
The patient is a 64-year-old female who requested authorization for Provigil. She has had transient ischemic attacks (TIAs) occurring over the past two years, fatigue and excessive daytime sleepiness. Her provider has diagnosed circadian rhythm disorder, as the patient is unable to remain awake during the day. A one-month trial of Provigil appeared to be effective in relieving her excessive daytime sleepiness and fatigue. The Provigil was used in conjunction with the sleep aid medication, Ambien. The patient’s daughter stated the medication improved the patient’s quality of life. Based on the one-month trial, the patient’s provider has prescribed Provigil 200mg day.
Medical Necessity · 2005 · IMR MN05-4952

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 transient ischemic attack 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 transient ischemic attack? 53.8% won.

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