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Emergency Department Visit denials: what the review data shows

Independent reviewers have decided 82 published cases where an insurer denied Emergency Department Visit — and they overturned the insurer 42.7% of the time. A denial for Emergency Department Visit is a starting position, not a final answer.

Published decisions
82
2001–2026
Overturned
42.7%
35 denials reversed

Conditions behind emergency department visit denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Otitis Media11
27.3%
Pharyngitis8
25%
Upper Respiratory Infection3
66.7%
Typical time to a decision
21 days
Most land between 20 and 27 days
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 reimbursement for emergency medical services. Findings: The physician reviewer found that the patient presented to the emergency department with reports of abdominal pain located in the lower abdomen that began suddenly two days prior and had become persistent. Her symptoms commenced after eating pizza. She reported nausea, vomiting and low back pain. The patient’s past medical history included diabetes and hypercholesterolemia. Her vital signs showed a blood pressure of 122/69, temperature of 98.3 F and pulse of 72. Mild abdominal tenderness was present in all four quadrants with a positive Murphy’s sign. Laboratory data revealed ketonuria with a glucose of 144, but was unremarkable. An abdominal ultrasound was negative for gallstones or cholecystitis.
Urgent Care · 2017 · IMR UR17-26084
The parent of a then eight-year-old female enrollee has requested coverage for emergency services. Findings: The physician reviewer found that the patient was seen in the emergency department with a history of right ear pain for a couple of days associated with a fever, cough, vomiting, and a discharge from the right ear. At the time of the emergency department visit, the pain was rated as “moderate.” The physical examination revealed a temperature of 100.4 degrees, petechial lesions on the palate, and erythema of both tympanic membranes with blisters on the right tympanic membrane. No perforation of the tympanic membrane or discharge was noted in the medical records. The patient was treated with ibuprofen orally and Auralgan ear drops in the ear canal for pain. The diagnoses were otitis media and bullous otitis.
Urgent Care · 2012 · IMR UR12-14472

Where the denial was upheld

Worth reading too — these show what an appeal has to overcome.
A 65-year-old male enrollee has requested reimbursement for emergency services. Findings: The physician reviewer found that The patient is a 65-year-old male who sustained an initial fall and broke his neck and sustained right-sided weakness. He was discharged from an acute care hospital three days later and was admitted to a skilled nursing facility (SNF) the following day with a cervical collar in place. On the day of admission to the SNF or the following day the patient reportedly fell to the floor in the bathroom after slipping off the toilet. He reported no loss of consciousness or complaint of new neck pain. He was taken by ambulance from the SNF to the Emergency Department.
Urgent Care · 2012 · IMR UR12-14158
A 46-year-old male has requested coverage for emergency services. Findings: The physician reviewer found that the patient presented to the emergency department for evaluation of a dry cough for two weeks that was not improving. A medical screening exam was performed which revealed that he was afebrile with a normal respiratory rate, heart rate, and pulse oximetry on room air. Testing was performed to include an EKG, lab tests and a chest x-ray, but the patient left the emergency department prior to being seen by the physician on duty. Subsequently, he went to an Extended Hours Clinic and was seen by a physician assistant. Again, the patient was noted to be afebrile with a normal pulse, respiratory rate and pulse oximetry. Pain was not a presenting complaint, and no pain level was documented.
Urgent Care · 2012 · IMR UR12-14500

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 Emergency Department Visitwhen 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 Emergency Department Visit? 42.7% got it reversed.

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