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Cell Free Dna Testing denials: what the review data shows

Independent reviewers have decided 13 published cases where an insurer denied Cell Free Dna Testing — and they overturned the insurer 46.2% of the time. A denial for Cell Free Dna Testing is a starting position, not a final answer.

Published decisions
13
2001–2026
Overturned
46.2%
6 denials reversed

Conditions behind cell free dna testing denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Pregnancy4
25%
Typical time to a decision
18 days
Most land between 14 and 21 days
Handled as urgent
7.7%
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 reimbursement for gene panel testing for evaluation of the enrollee who presented for prenatal care. Findings: The physician reviewer found that The American College of Obstetricians and Gynecologists and the Society for Maternal-Fetal Medicine recommends cell free DNA testing as a screening option for women at increased risk of fetal aneuploidy. This population was defined as women 35 years or older, fetuses with ultrasonographic findings indicative of an increased risk of aneuploidy, women with a history of trisomy-affected offspring, a parent carrying a balanced Robertsonian translocation with an increased risk of trisomy 13 or trisomy 21, and women with positive first-trimester or second-trimester screening test results.
Experimental/Investigational · 2018 · IMR EI18-27535
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for gene test (CPT 81420). Findings: Three physician reviewers found that fetal aneuploidy screening is supported for pregnant patients by the American College of Obstetricians and Gynecologists and the Society for Maternal-Fetal Medicine. Cell free DNA testing has been validated as having a high detection rate for fetal chromosomal abnormalities including sex chromosomes. Currently, the non-invasive screening test of choice for aneuploidy is cell free DNA testing. Part of the commercial testing includes an analysis of fetal sex chromosomes. Fetal sex chromosomal abnormalities are common. The rate in the general population is 1:448. Sex chromosome abnormalities such as Turner’s syndrome include significant associated medical morbidities.
Experimental/Investigational · 2018 · IMR EI18-27897

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 the fetal DNA testing performed. Findings: The physician reviewer found that the American Congress of Obstetricians and Gynecologists recommend cell free DNA testing as a screening option for women at increased risk of fetal aneuploidy. This population was defined as women 35 years or older, fetuses with ultrasonographic findings indicative of an increased risk of aneuploidy, women with a history of trisomy-affected offspring, a parent carrying a balanced Robertsonian translocation with an increased risk of trisomy 13 or trisomy 21, and women with positive first-trimester or second-trimester screening test results. In this case, because the patient’s pregnancy was conceived with donor eggs from a 22-year-old, the aneuploidy risk for this patient with this pregnancy is low.
Experimental/Investigational · 2017 · IMR EI17-25077
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for gene test (fetal sex and/or fetal chromosomal microdeletion(s) genomic sequence analysis, circulating cell-free fetal DNA in maternal blood).Findings: Two of the three physician reviewers found that the American College of Obstetricians and Gynecologists recommends cell-free DNA testing as a screening option for women at increased risk of fetal aneuploidy. This population was defined as women 35 years or older, fetuses with ultrasonographic findings indicative of an increased risk of aneuploidy, women with a history of trisomy-affected offspring, a parent carrying a balanced Robertsonian translocation with an increased risk of trisomy 13 or trisomy 21, and women with positive first-trimester or second-trimester screening test results.
Experimental/Investigational · 2018 · IMR EI18-29495

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 treatment generally, not any individual case.

How to use this in your appeal

These are outcomes from California’s external review program — an independent physician panel that binds the insurer. Every state has an equivalent process, and internal appeals succeed even more often. Cite the outcome record for Cell Free Dna Testingwhen you appeal: reviewers routinely find that denials like yours didn’t hold up.

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.

Denied Cell Free Dna Testing? 46.2% got it reversed.

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