MRI denials in California external review

In the California DMHC record, independent physician reviewers decided 47 published external-review cases involving MRIand overturned the plan’s denial in 27.7%. That is a historical result among cases that reached this program, not a forecast for an individual appeal.

California DMHC decisions
47
2002–2025
Overturned
27.7%
13 denials reversed

Conditions behind MRI denials

What insurers denied — and how those fights ended.
CategoryDecisionsOverturned
Low Back Pain6
0%
Knee Pain5
20%
Back Pain3
33.3%
Typical time to a decision
17 days
Most land between 7 and 21 days
Handled as urgent
21.3%
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

Gender: FNature of Statutory Criteria/Case Summary: An enrollee has requested reimbursement for an MRI. The American College of Radiology (ACR) Appropriateness Criteria state that magnetic resonance imaging (MRI) is considered the gold standard in the evaluation of the shoulder for entities involving the glenoid labrum and rotator cuff, given its excellent depiction of soft tissue structures. In addition to evaluating the rotator cuff, MRI can aid in detecting extra-articular abnormalities, including osseous and soft-tissue findings that may predispose to or be the result of shoulder impingement. (ACR 2018). A study concluded rotator cuff pathology accounts for most presentations of shoulder pain to primary care clinics.
Medical Necessity · 2021 · IMR MN21-34873
Nature of Statutory Criteria/Case Summary: An enrollee has requested authorization and coverage for magnetic resonance imaging (MRI). Findings: The physician reviewer found that there is currently considerable debate about how best to screen for prostate cancer. The fact that this patient’s PSA level is stable does not rule out prostate cancer. Prostate cancer is notoriously slow growing, and the lack of progressive elevation does not exclude a malignancy. In general, PSA levels under 4 are not considered abnormal, whereas levels over 4 are regarded as suspicious. This patient has a PSA level in the 14 to 16 range and his PSA has been persistently elevated. There are many options for therapy (radical prostatectomy, observation and monitoring, brachytherapy, external bean radiation), with no single therapy clearly advantageous, and all therapies having significant risks of complication.
Medical Necessity · 2017 · IMR MN17-27360

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 magnetic resonance imaging (MRI) for evaluation of her medical condition. Findings: The physician reviewer found that in this patient’s case, an MRI is not medically necessary for evaluation of the patient’s medical condition. Medical literature supports obtaining an MRI in anticipation of some sort of intervention such as surgery or facet injections. Prior to an intervention, standard medical practice is to attempt a trial of conservative treatments such as physical therapy, a targeted exercise program, or methodical use of anti-inflammatory drugs. The submitted documentation does not support the use of an MRI, at this time. As stated by Roudsari and Jarvik, `All of the guidelines emphasize the importance of a focused history and thorough physical examination before any imaging is ordered.
Medical Necessity · 2016 · IMR MN16-22516
Nature of Statutory Criteria/Case Summary: An enrollee has requested a magnetic resonance imaging (MRI) or computed tomography (CT) scan of the upper back, lower back, neck, shoulders, and hips and Lyrica for evaluation and treatment of her medical condition. Findings: The physician reviewer found that Lyrica is not a medically necessary treatment for the patient’s chronic pain. The documentation does not demonstrate that the patient has failed other anticonvulsant medications in the same class. Gilron reviewed evidence-based literature supporting the use of gabapentin and pregabalin (Lyrica) for chronic neuropathic and early post-surgical pain. The review concluded that these medications are efficacious treatments for neuropathic and post-surgical pain.
Medical Necessity · 2016 · IMR MN16-22677

Figures and quotations on this page come from 42,749 published decisions in the California DMHC Independent Medical Review dataset. These are California external-review outcomes. Other state and federal programs have different eligibility rules, processes, and current availability; the rates here do not transfer to those programs or predict an individual result. 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 outcomes describe eligible cases completed through California DMHC’s Independent Medical Review program. They do not estimate the chance that an internal appeal, an external review in another jurisdiction, or your individual case will succeed. Use the record to identify evidence patterns involving MRI, then check the rights and deadlines that apply to your plan.

SOURCE: CALIFORNIA DMHC INDEPENDENT MEDICAL REVIEW OUTCOMES (CHHS OPEN DATA) · AGGREGATES + DEIDENTIFIED DECISION EXCERPTS/REFERENCE IDS · 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 MRI? Use the California record to prepare.

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