Bilateral Breast MRI denials in California external review

In the California DMHC record, independent physician reviewers decided 39 published external-review cases involving Bilateral Breast MRIand overturned the plan’s denial in 41%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
39
2006–2025
Overturned
41%
16 denials reversed

Conditions behind Bilateral Breast MRI denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Breast Cancer6
33.3%
Breast Cancer Risk4
50%
Breast Pain3
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
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
20
45%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
19
36.8%
Typical time to a decision
17 days
Most land between 11 and 21 days
Handled as urgent
15.4%
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

Physician 1: The patient is a 59-year-old female who was diagnosed with infiltrating lobular carcinoma of the right breast in June 2006. Her surgeon has requested bilateral MRI of the breasts to determine the extent of the disease within the right breast and to evaluate for synchronous tumor within the left breast. The surgeon has submitted a request for authorization of bilateral breast MRIs prior to surgery. The Health Plan denied the request based upon a determination that the diagnostic procedure is experimental/ investigation in this clinical setting.There are several established indications for MRI screening of the breast with malignant disease which include preoperative evaluation of the extent of the cancer, postoperative assessment of residual cancer, the extent of lobular cancer, the identification of an occult primary cancer with positive axillary lymph nodes, screening of hig…
Experimental/Investigational · 2006 · IMR EI06-5751
Findings: The physician reviewer found that Nature of Statutory Criteria/Case Summary: The patient has requested authorization and coverage for bilateral breast magnetic resonance imaging (MRI). The American College of Radiology (ACR) appropriateness criteria for breast cancer screening indicate that breast MRI, with and without intravenous (IV) contrast, is usually appropriate for supplemental breast cancer screening in high-risk patients with dense breasts. In high-risk patients, the sensitivity of a mammogram is approximately 30%, compared to the sensitivity of an MRI alone which is 87-96%. The combination of mammography and MRI yields 100% sensitivity compared with 44-48% sensitivity of combined mammography and ultrasound. Additionally, the type of carcinoma detected on MRI compared with mammography may differ, which may potentially change the patient’s treatment plan.
Medical Necessity · 2024 · IMR MN24-42304

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 magnetic resonance imaging of breast, without and/or with contrast.MRI studies of the breast are highly sensitive but have a relatively low level of specificity. The literature consistently does not recommend the use of breast MRI as a replacement for routine breast mammography and ultrasound. It is common for an MRI report to state that there are subtle abnormalities that are not indicative of definite tumor, but that a follow-up MRI is recommended. Questionable MRI findings often lead to unnecessary biopsies. Additionally, there are cases where an MRI has not detected a breast cancer (false negative). There is little evidence to support the use of MRI as a surveillance tool rather than conventional mammography.
Medical Necessity · 2021 · IMR MN21-35616
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for bilateral breast magnetic resonance imaging (MRI). The available records indicate that the patient presented with a history of right breast mass. An ultrasound of the site of a palpable lump demonstrated an irregular hypoechoic complex cystic lesion with internal vascular flow with the track that extended nearly to the skin surface consistent with an inflammatory process such as an inflamed sebaceous cyst. The patient underwent evaluation with a breast MRI. The MRI demonstrated a right breast mass, BI-RADS Category 4 suspicious for malignancy. The National Comprehensive Cancer Network (NCCN) guidelines report that breast MRI is not recommended in the diagnostic evaluation of patients who present with a palpable mass in the breast.
Experimental/Investigational · 2022 · IMR EI22-37912

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 MRI, 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 MRI? Use the California record to prepare.

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