Anti-Fungal denials in California external review

In the California DMHC record, independent physician reviewers decided 106 published external-review cases involving Anti-Fungaland overturned the plan’s denial in 40.6%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
106
2002–2026
Overturned
40.6%
43 denials reversed

Conditions behind Anti-Fungal denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Nail Fungus47
48.9%
Resp Infection3
33.3%
Sinusitis3
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.
94
43.6%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
12
16.7%
Typical time to a decision
21 days
Most land between 11 and 21 days
Handled as urgent
19.8%
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

Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for Jublia 10% topical solution. Findings: The physician reviewer found that Onychomycosis is a fungal infection of the nail which can result in pain, disfigurement, and secondary infection. Ulcerations of the nail bed as well as resultant osteomyelitis of the underlying phalanges may result, particularly in patients with peripheral neuropathy. Onychomycosis can be caused by dermatophytes, yeasts or nondermatophyte molds. The most common dermatophyte organisms that cause onychomycosis are Trichophyton rubrum and Trichophyton mentagrophytes. Diagnosis is made by patient history, physical findings, and diagnostic testing. Onychomycosis can be treated by oral and topical antifungals. Oral medications have systemic risks and so are not appropriate for all patients.
Medical Necessity · 2022 · IMR MN22-38381
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: An enrollee’s parent has requested authorization and coverage for Cayston. The records indicate that this patient has a longstanding history of chronic and acute-on-chronic airway infections that have required treatment with inhaled antibiotics. Initially, parenteral formulations of antibiotics such as tobramycin were nebulized, particularly for patients colonized with Pseudomonas aeruginosa. Over time, formulations of antibiotics have been created specifically for inhalation. The largest group of patients for whom this therapy is recommended are those with cystic fibrosis. Patients with cystic fibrosis have a severe inability to clear airway secretions and are prime targets for Pseudomonas colonization.
Experimental/Investigational · 2024 · IMR EI24-40738

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
The patient is a 41-year-old male with chronic eye pain and chronic rhinosinusitis. The records provided include multiple notes from several physicians with different specialties. He has had problems with chronic bilateral eye pain (also referred to variously as retro-orbital pain and atypical facial pain) for many years. He has had several surgeries, received neuro-ganglion blocks, and takes oral analgesics on a regular basis for this problem. There are detailed notes related to possible adverse affects experienced by the patient with the use of Neurontin and gabapentin. There are two physician dictations regarding this patient’s sinus disease history. In October 2004 it is noted that the patient had a history of nasal and paranasal sinus polyposis.
Medical Necessity · 2005 · IMR MN05-4993
Findings: The physician reviewer found that An enrollee has requested authorization and coverage for itraconazole 100 mg capsules. There is a paucity of standard treatment recommendations for the management of patients with dermatophytosis. Diagnosis is made clinically, although culture is considered the gold standard to confirm diagnosis and identify the species involved. The records document that this patient underwent a biopsy, which revealed dermatophytosis from the left upper flank. At that time, the provider recommended treatment with a course of oral terbinafine. The chart notes indicated that a rash was still present, although no culture or KOH preparation was made. At that time, the provider recommended treatment with itraconazole.
Experimental/Investigational · 2023 · IMR EI23-38534

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 treatment 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 Anti-Fungal, 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.

Denied Anti-Fungal? Use the California record to prepare.

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