Not medically necessary: how to appeal
Why this denial happens
- The chart did not include the diagnosis codes the policy requires
- Severity was not quantified
- Conservative therapy was not documented
- The reviewer applied the wrong medical policy
What overturns it
- Letter of medical necessity from the treating physician citing the plan's own medical policy
- Severity scores, imaging, or labs that meet the criteria
- Documented failure of required prior therapy
Evidence checklist
- ✓Treating physician letter
- ✓Office notes from the last 12 months
- ✓Imaging or lab reports
- ✓Prior treatment history
- ✓Specialty guideline citation
Medical necessity denials are the most common and the most overturnable when the appeal cites the insurer's own clinical policy bulletin.
Free analysis identifies the cited policy and missing evidence. Then a finished letter.
FAQ
What does "Not medically necessary" mean on a denial letter?+
The insurer agrees the service exists in your plan but says your specific case does not meet their clinical criteria.
How long do I have to appeal?+
180 days from the date of denial for ERISA group plans and ACA marketplace plans. 60 days for Medicare Advantage. Check the denial letter for your specific deadline.
What is the success rate for this kind of appeal?+
Outcomes vary, but medical-necessity and step-therapy appeals overturn at meaningful rates when the appeal cites the insurer's own policy and the chart documents the required criteria.
Appeal a "Medical necessity" denial by insurer
Verified policy basis and override strategy for each major insurer.
- UnitedHealthcareOverturn: High→
- Anthem Blue Cross Blue ShieldOverturn: High→
- AetnaOverturn: High→
- CignaOverturn: High→
- HumanaOverturn: High→
- Kaiser PermanenteOverturn: High→