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Genetic Genomic Test denials: what the review data shows

Independent reviewers have decided 582 published cases where an insurer denied Genetic Genomic Test — and they overturned the insurer 51.7% of the time. A denial for Genetic Genomic Test is a starting position, not a final answer.

Published decisions
582
2001–2026
Overturned
51.7%
301 denials reversed

Conditions behind genetic genomic test denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Melanoma64
6.2%
Breast53
71.7%
Skin47
14.9%
Lung29
79.3%
Pregnancy28
75%
Colon19
63.2%
High Risk Pregnancy13
53.8%

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.
502
49%
Medical Necessity
The plan said the care wasn’t medically necessary. The most common fight, and the most winnable.
80
68.8%
Typical time to a decision
21 days
Most land between 17 and 24 days
Handled as urgent
8.8%
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 the Invitae Comprehensive Muscular Dystrophy Panel [33-Genes].Neuromuscular disorders consist of a genetically and phenotypically heterogeneous group of diseases disrupting any component of the neuraxis of the peripheral nervous system. These disrupted components can be skeletal muscle, neuromuscular junction, or nerves. The causes can be genetic (single gene disorder, polygenic disorder), nongenetic (infective, autoimmune, autoinflammatory), or yet to be identified (Ng, K., et al.). The diagnosis of inherited neuromuscular disorders is challenging due to their genetic and phenotypic variability. Traditionally, neurophysiology and histopathology were primarily used in the initial diagnostic approach to these conditions.
Experimental/Investigational · 2023 · IMR EI23-38561
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for a Tempus xT assay gene panel. Traditional solid tumor biopsies do not include a broad panel of multiple additional actionable next gene sequencing (NGS) mutations such as estrogen receptor 1 (ESR1), phosphatidylinositol-3-kinase (PI3K), mechanistic target of rapamycin (mTOR) or homologous recombination deficiency (HRD), microsatellite instability (MSI), or transmembrane domain (TMD), which could translate into changes in cancer treatment. In a patient with multiple sites of stage IV disease, there may be heterogeneity where a lung tumor might have a different mutation profile than in the bone lesions. Blood liquid testing for circulating tumor (Ct) deoxyribonucleic acid (DNA) may sometimes capture this heterogeneity due to various tumor sites shedding the tumor DNA into the blood stream.
Experimental/Investigational · 2022 · IMR EI22-38202

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 Oncotype DX Prostate genomic testing. Findings: The physician reviewer found that current medical literature, the service at issue was not likely to have been more beneficial for the evaluation of this patient than standard risk stratification, for example, risk stratification under the National Comprehensive Cancer Network (NCCN). The Oncotype DX Prostate cancer assay is a real time polymerase chain reaction (RT-PCR) assay designed for analysis of prostate core needle biopsies. The assay measures the expression of 17 genes to calculate a Genomic Prostate Score (GPS), with a lower GPS score meaning a more favorable biology and less aggressive disease.
Experimental/Investigational · 2023 · IMR EI23-38489
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for full exome sequencing (genetic test) services. Findings: The physician reviewer found that American College of Medical Genetics and Genomics (ACMG) states, “Major advances in DNA sequencing technology have made it possible to do large-scale sequencing, up to and including whole-genome sequencing, in an effort to identify a gene mutation that may provide a diagnosis for a patient with an abnormal phenotype.” The ACMG definitions note, “Whole-genome sequencing (WGS) implies the determination of the sequence of most of the DNA content comprising the entire genome of an individual…The ‘exome’ is the component of the genome that predominantly encodes protein.
Experimental/Investigational · 2022 · IMR EI22-37133

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 Genetic Genomic Testwhen 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 Genetic Genomic Test? 51.7% got it reversed.

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