EKG denials: what the review data shows

Independent reviewers have decided 12 published cases where an insurer denied EKG — and they overturned the insurer 33.3% of the time. A denial for EKG is a starting position, not a final answer.

Published decisions
12
2001–2026
Overturned
33.3%
4 denials reversed

Conditions behind ekg denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Cardiac Heart Prob3
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
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
6
16.7%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
6
50%
Typical time to a decision
21 days
Most land between 21 and 21 days
Handled as urgent
8.3%
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 requested authorization and coverage for a stress echocardiogram. Based on the submitted records, this patient presents with increased coronary risk in addition to symptoms of palpitations and exertional dyspnea concerning for an anginal equivalent and/or left ventricular dysfunction. In this circumstance, further evaluation to assess for left ventricular dysfunction and coronary ischemia is medically appropriate. An imaging stress test is appropriate to evaluate for both left ventricular dysfunction and coronary ischemia in the same procedure. Stress echocardiography is indicated based on the patient’s symptoms, regardless of upcoming low risk non-cardiac hysterectomy surgery. Current guidelines endorsed by several national organizations consider stress echocardiography appropriate in this setting.
Medical Necessity · 2018 · IMR MN18-28365
A 55-year-old female enrollee has requested real-time cardiac monitoring for evaluation of her mitral valve prolapse. Findings: Two physician reviewers found that remote ambulatory long-term cardiac monitoring is now recognized and accepted as a useful diagnostic adjunct to detecting and characterizing underlying symptomatic and asymptomatic cardiac arrhythmias, for both risk assessment and to inform best management on a real-time basis. In most settings, the information obtained is not easily or promptly ascertained using other diagnostic approaches. In this patient with significant arrhythmias detected at the time of stress testing, the services at issue were medically appropriate even absent test evidence for ischemia. It is true that the value of remote monitoring remains to be definitively established.
Experimental/Investigational · 2009 · IMR EI09-10443

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
A 29-year-old male enrollee has requested ambulatory event monitor with real time analysis for treatment of his syncope. Findings: Three physician reviewers found that there is limited data available in the medical literature regarding ambulatory cardiac event monitoring with real time analysis. At this time, there are no guidelines to assess the incremental diagnostic yield and subsequent improvement in clinical outcomes using this technology, especially in the initial evaluation of a first syncopal episode. The largest multi-center controlled trial to date using real time event monitoring included 266 patients with persistent symptoms who had previously undergone prior Holter monitoring which failed to diagnose an arrhythmia (Rothman and colleagues).
Experimental/Investigational · 2009 · IMR EI09-10377
Nature of Statutory Criteria/Case Summary:The parent of a 10-year-old male enrollee has requested authorization and coverage for an echocardiogram for treatment of the enrollee’s chest pain. Findings: The physician reviewer found that At issue in this case is whether the requested echocardiogram is medically necessary for treatment of the enrollee’s medical condition.Per Hussain and colleagues, chest pain is a reasonably common complaint in the pediatric population. In terms of referral to pediatric cardiology, it ranks second only to heart murmurs. The most common cause is idiopathic, occurring in up to half of cases. Other causes include pulmonary, musculoskeletal, gastrointestinal, and psychological. Actual cardiac causes are present in less than 5% of cases. Most children have normal physical exam findings.
Medical Necessity · 2018 · IMR MN18-29843

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 EKGwhen 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 EKG? 33.3% got it reversed.

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