Breast Magnetic Resonance Imaging denials in California external review

In the California DMHC record, independent physician reviewers decided 31 published external-review cases involving Breast Magnetic Resonance Imagingand overturned the plan’s denial in 35.5%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
31
2004–2025
Overturned
35.5%
11 denials reversed

Conditions behind Breast Magnetic Resonance Imaging denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Breast Cancer6
66.7%
Breast Cancer Risk4
0%
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
40%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
11
27.3%
Typical time to a decision
15 days
Most land between 7 and 21 days
Handled as urgent
22.6%
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: The patient was diagnosed with right breast cancer, ER/PR positive in 1998. She underwent lumpectomy and right axillary lymph node dissection. Subsequently, she was treated with adjuvant chemotherapy followed by adjuvant radiation treatment. The patient’s treatment was complicated with right upper extremity lymphedema. She previously had second primary right breast cancer (lobular invasive carcinoma). She underwent right breast mastectomy and was found to have lobular invasive carcinoma, tumor size 1.8 cm with clear margin without lymph node involvement, ER/PR positive, HER2 negative. The patient was treated with four cycles of adjuvant Cytoxan and Taxotere. She has been on adjuvant endocrine therapy with Arimidex. She has recently developed left upper extremity swelling. The provider recommended magnetic resonance imaging (MRI) of breasts.
Medical Necessity · 2022 · IMR MN22-37773
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for breast magnetic resonance imaging (MRI) provided for evaluation of the enrollee, who had an abnormality on a mammogram. Findings: The 3 physician reviewers found that there is sufficient support for the services at issue in this clinical setting. In this case, mammograms clearly showed a new area of abnormality. However, the problem was that it was only visualized on one view, and could not be localized on the second view. The sonogram that was performed did not help resolve the issue. This patient’s mammographic findings necessitated further work-up. Breast MRI was needed for localization and/or confirmation. Thus, breast MRI provided was likely to have been of greater benefit than other methods of evaluating this patient.
Experimental/Investigational · 2017 · IMR EI17-26387

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 for breast magnetic resonance imaging for evaluation of the enrollee who presented for an annual breast examination. Findings: The physician reviewer found that while breast MRI has an important role in both screening and diagnostic settings, the documentation submitted does not support the medical necessity of the services at issue in this clinical setting. In the last several years, the American Cancer Society (ACS) and the American College of Radiology (ACR) have established guidelines for the appropriate use of breast MRI. As per the ACS/ACR guidelines, those screening indications include screening for the high risk patient, screening the contralateral breast in a patient with a recently diagnosed breast malignancy, and screening in patients with breast augmentation.
Medical Necessity · 2017 · IMR MN17-25311
A 36-year-old female enrollee has requested reimbursement and prospective authorization and coverage for mammogram and a breast magnetic resonance imaging (MRI) every 6 months for evaluation of the enrollee’s risk for breast cancer. Findings: Two physician reviewers found that the patient has a strong family history of breast cancer in her sister who was diagnosed with invasive ductal breast cancer at the age of 30. The patient has had prior mammograms and breast MRI studies that have shown extremely dense breast tissue. BRCA testing was negative. The patient had a screening breast MRI on and is requesting reimbursement for this study as well as future coverage for a mammogram and breast MRI every 6 months. The American Cancer Society (ACS) does not advocate for screening breast MRI for patients with dense breast tissue.
Experimental/Investigational · 2012 · IMR EI12-13865

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

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