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Charite denials: what the review data shows

Independent reviewers have decided 21 published cases where an insurer denied Charite — and they overturned the insurer 0% of the time. A denial for Charite is a starting position, not a final answer.

Published decisions
21
2001–2026
Overturned
0%
0 denials reversed

Conditions behind charite denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Vertebral Disc Prob11
0%
Back Pain7
0%
Typical time to a decision
21 days
Most land between 19 and 21 days
Handled as urgent
9.5%
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 upheld

Worth reading too — these show what an appeal has to overcome.
Physician 1: This patient is a 35-year-old male who has degenerative disc disease at L4-5 and L5-S1 with resultant disabling back pain. A discectomy performed in 1997 has not provided enduring pain relief. His physician indicated that the patient has tried conservative measures and is unable to relieve his pain. Therefore, the physician has recommended an artificial disc replacement based on the patient’s young age. The Health Plan has denied authorization for the requested procedure on the basis it is considered investigational.To date, there is no long-term data supporting the benefits of artificial disc replacement over more conventional surgical interventions. Additionally, there is a paucity of data on the outcome of multiple disc replacements in general and more specifically when the disc replacements are at non-contiguous levels.
Experimental/Investigational · 2005 · IMR EI05-4917
Physician 1: The patient is a 38-year-old female with degenerative disc disease at L5-S1 attributed to lifting a heavy object. The patient’s provider believes the L5-S1 disc is responsible for her pain based upon a discogram performed in August 2005. The patient has been identified as a candidate for artificial disc replacement, but the Health Plan considers this procedure experimental and has denied authorization and coverage.The Health Plan is correct that the requested procedure is considered experimental. There is no evidence to support disc replacement as the best available treatment for this patient. Artificial discs are currently being investigated for single level disc replacement in the treatment of degenerative disc disease in the lumbar spine.
Experimental/Investigational · 2005 · IMR EI05-4960

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 Charitewhen 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 Charite? 0% got it reversed.

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