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Implantable Loop Recorder denials: what the review data shows

Independent reviewers have decided 14 published cases where an insurer denied Implantable Loop Recorder — and they overturned the insurer 21.4% of the time. A denial for Implantable Loop Recorder is a starting position, not a final answer.

Published decisions
14
2001–2026
Overturned
21.4%
3 denials reversed

Conditions behind implantable loop recorder denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Atrial Fibrillation6
16.7%

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.
10
20%
Experimental/Investigational
The plan called the treatment unproven. These turn on published evidence, so the appeal is a literature argument.
4
25%
Typical time to a decision
20 days
Most land between 5 and 21 days
Handled as urgent
28.6%
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: The patient has requested reimbursement for an implantable ambulatory event monitor. The records provided for review document that this patient experienced episodes of dizziness prior to the syncopal episodes. Evaluation with a Holter monitor several months before was unrevealing. He presented with chest pain followed by recurrent acute syncopal episodes and he was noted to be in atrial fibrillation, which responded to chemical cardioversion. He was evaluated for underlying causes of syncope including coronary artery disease (CAD). An echocardiogram demonstrated normal left ventricle (LV) function. The recurrent episodes of syncope, prior negative Holter results, and history of known paroxysmal atrial fibrillation supported concern for an arrhythmic cause of his syncope.
Medical Necessity · 2021 · IMR MN21-34971
Nature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for ambulatory event heart monitor.Findings: Two of the three physician reviewers found that this patient has significant ischemic heart disease. He has had recurrent symptoms of dizziness and near syncope which required hospital admission. He has a history of multiple embolic events. Given the underlying heart disease, the recurrent symptoms necessitating admission and the prior multiple embolic events, the likelihood of a significant rhythm disturbance, like atrial fibrillation or bradycardia, is relatively high. In the absence of any findings on the external event monitor and in the setting of recurrent symptoms requiring readmission to the hospital, evaluation with an implantable loop recorder was a reasonable next clinical step. There is sufficient support for the device at issue in this setting.
Experimental/Investigational · 2018 · IMR EI18-28615

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 an implantable heart monitor. Based on the records provided for review, the patient had symptomatic atrial flutter treated with an ablation without recurrent heart racing symptoms. In this circumstance, if evaluation for dysrhythmias is thought to be indicated, then Holter monitoring for frequent symptoms or offline self-activated event monitoring for less frequent symptoms should be sufficient in recording cardiac rhythm during palpitations. In addition, offline auto-triggered event recorders should be effective in identifying asymptomatic paroxysmal dysrhythmias. There is no documentation to indicate the patient is not able to effectively manage these types of devices or that these devices have already been tried and failed.
Experimental/Investigational · 2018 · IMR EI18-29946
Nature of Statutory Criteria/Case Summary: A female enrollee has requested reimbursement for the implantable ambulatory event monitor for evaluation of the enrollee’s atrial fibrillation. Findings: The physician reviewer found that based on the records provided the patient is a 67-year-old female with a history of symptomatic paroxysmal atrial fibrillation. In this setting of symptomatic atrial fibrillation manifested by frequent palpitations identification of cardiac rhythm during symptoms should be able to be effectively accomplished by off-line monitoring devices such as serial Holter monitors, patient-activated event monitors or auto-triggered event monitors. The records provided do not indicate the patient is unable to manage these devices or that these devices have been tried and failed.
Experimental/Investigational · 2017 · IMR EI17-26407

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 Implantable Loop Recorderwhen 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 Implantable Loop Recorder? 21.4% got it reversed.

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