Bilateral Breast Magnetic Resonance Imaging denials in California external review

In the California DMHC record, independent physician reviewers decided 14 published external-review cases involving Bilateral Breast Magnetic Resonance Imagingand overturned the plan’s denial in 35.7%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
14
2006–2025
Overturned
35.7%
5 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
30%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
4
50%
Typical time to a decision
18 days
Most land between 14 and 22 days

What the reviewers wrote

Excerpts from the independent reviewers’ published findings — the actual reasoning, quoted, not summarised.

Where the denial was overturned

The patient is a 42-year-old female who had an abnormal screening mammogram in April 2006 which led to ultrasound of the breasts in May 2006. The ultrasound showed multiple cysts bilaterally with the largest cyst in the right breast measuring up to 1.4cm. In addition, within the left breast a 5mm hypoechoic defect with internal echoes was found at the 8 o’clock position near the areola. This was felt to be either a complicated cyst or a solid mass and biopsy was recommended. The patient has a family history of breast cancer with a younger sister diagnosed at age 35, the paternal grandmother having a mastectomy at age 35 and the maternal grandmother dying of breast cancer at age 63. The patient was evaluated by a surgeon who ordered breast MRI which was performed in August 2006. The study showed cysts and proliferative changes with no evidence for malignancy.
Medical Necessity · 2006 · IMR MN06-5852
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient requested authorization and coverage for bilateral breast magnetic resonance imaging (MRI).Contrast-enhanced breast MRI is more sensitive for the detection of breast cancer in the high-risk population. Overall, contrast-enhanced MRI has greater sensitivity than mammography and ultrasound and can be beneficial in specific clinical settings. As noted by a clinical study, screening breast MRI is recommended in women with a lifetime risk of greater than 20%, women with BRCA gene mutations, and their untested first-degree relatives as well as other high-risk populations. These high populations include female patients with a history of thoracic or upper abdominal radiation therapy at an early age.
Medical Necessity · 2024 · IMR MN24-41016

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 authorization and coverage for bilateral breast magnetic resonance imaging (MRI). Findings: The physician reviewer found that the current medical evidence does not support the requested services in this clinical setting. This patient does not meet the criteria for being at high risk for developing breast cancer, which is defined as having a 20-25% likelihood of developing the disease. Per the records, she has not had BRCA testing, and the occurrence of breast malignancy in aunts and a cousin does not constitute a greater than 20-25% risk of breast cancer. Further, her prior mammograms have not detected any abnormalities suggestive of tumor. MRI studies of the breast are highly sensitive but have a relatively low level of specificity.
Medical Necessity · 2018 · IMR MN18-27283
Findings: The physician reviewer found that a patient has requested authorization and coverage for bilateral breast magnetic resonance imaging (MRI). According to the American College of Radiology (ACR) appropriateness criteria for the evaluation of a palpable mass in a patient greater than 40 years of age, a diagnostic mammography is the first step, followed by sonography. Rarely, if there is a strong continued clinical suspicion for a palpable lump, despite negative diagnostic mammography and sonography, an MRI may be indicated.
Medical Necessity · 2025 · IMR MN25-46374

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 Bilateral Breast Magnetic Resonance Imaging, 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 Bilateral Breast Magnetic Resonance Imaging? Use the California record to prepare.

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