02 · Denials

Who says no, and what happens next

76,914 standard requests were denied across the 11 filings in Unclassified that publish counts (of 11), a 19.9% rateⓘ. Four ways to read that number: whether urgent requests fare better or worse and how long decisions take, who issued the denials, whether size changes the rate, and how many denials were ever tested on appeal.

Market
01 · Urgent requests and the clock

When the request is urgent

Expedited requests are the ones a doctor marked as time-critical, and the rule puts a clock on both kinds of decisionⓘ. Four pictures of what payers published against it: how long standard and expedited decisions actually take, whether urgent requests are denied more often than routine ones, and whether a filing's own mean and median tell the same story.

3
of 7 filings deny expedited requests more often than standard ones
1
publish a standard mean over 7 days the filings
0
publish an expedited mean over 72 hours the filings
4
publish a mean more than three times their own median, or the reverseⓘ
Standard decisions click a bar for its filings
Published mean time to decision, against the 7-day clock · 10 filings publish one
1
1
6
1
1
0–1
1–2
2–3
3–5
5–7
over 7
days; the orange bar is past the clock.
Expedited decisions click a bar for its filings
Published mean time to decision, against the 72-hour clock · 7 filings publish one
6
1
0–6
6–12
12–24
24–48
48–72
over 72
hours; the orange bar is past the clock.
Urgent against routine, 7 filings with 100+ expedited requests click a point for the filing
Standard denial rate across, expedited denial rate up, both to 30%. The dashed line is where the two agree; every point above it is a plan that says no more often when the doctor said it was urgent.
08%15%23%30% standard denial rate
● 3 deny urgent requests more often ● 4 deny them less often
The widest gaps
Percentage points by which the expedited rate exceeds the standard rate in the same filing.
Standard: mean against median click a point for the filing
The two figures a filing publishes for the same standard decisions. Median across, mean up, both on a log scale. On the dashed line the two agree; far from it, one filing's two figures do not.
the clock — 7 days, both axes
0110100 days
● mean past the clock ● mean and median three times apart ● 10 filings publish both
Expedited: mean against median click a point for the filing
The two figures a filing publishes for the same expedited decisions. Median across, mean up, both on a log scale. On the dashed line the two agree; far from it, one filing's two figures do not.
the clock — 72 hours, both axes
01101001000 hours
● mean past the clock ● mean and median three times apart ● 7 filings publish both ● 3 published a zero — drawn on the axis

The filings behind the charts

Expedited denied more often than standard, the widest gaps

Against the clock, and against themselves

02 · Who denies the most

Organizations, by denials issued

Standard denials summed across every filing the organization published that carries counts. The rate beside each is that organization's own volume-weighted rate.

Plans with the most denials

Denial rate by stateⓘ

click a state for its filings
Alaska: not publishedAlabama: not publishedArkansas: not publishedArizona: not publishedCalifornia: not publishedColorado: not publishedConnecticut: not publishedDistrict of Columbia: not publishedDelaware: not publishedFlorida: not publishedGeorgia: not publishedHawaii: not publishedIowa: not publishedIdaho: not publishedIllinois: not publishedIndiana: not publishedKansas: not publishedKentucky: not publishedLouisiana: not publishedMassachusetts: not publishedMaryland: not publishedMaine: not publishedMichigan: not publishedMinnesota: not publishedMissouri: not publishedMississippi: not publishedMontana: not publishedNorth Carolina: not publishedNorth Dakota: not publishedNebraska: not publishedNew Hampshire: not publishedNew Jersey: not publishedNew Mexico: not publishedNevada: not publishedNew York: not publishedOhio: not publishedOklahoma: not publishedOregon: not publishedPennsylvania: not publishedRhode Island: not publishedSouth Carolina: not publishedSouth Dakota: not publishedTennessee: not publishedTexas: not publishedUtah: not publishedVirginia: not publishedVermont: not publishedWashington: not publishedWisconsin: not publishedWest Virginia: not publishedWyoming: not published
—————not published
03 · Scale and scrutiny

Does a bigger plan say no more often?

Every filing with 100 or more standard requests: request volume across (log scale), denial rate up, coloured by market. A plan far above its neighbours of the same size and market is the one to read.

Denial rate against request volume, 10 filings click a point for the filing
1001K10K100K1M requests
Median rate by market and size bandⓘ
Unclassified 1K–10K 22.4% 2
Unclassified 10K–100K 17.7% 7
Unclassified 100K+ 18.2% 1

Highest for their sizeⓘ

04 · The appeal gap

Most denials are never tested

Among filings that publish appeal counts (11 of them), 6.8% of standard denials were appealedⓘ, and 47.3% of those appeals overturned the denial. An overturn rate describes the denials someone fought; the denials nobody fought are the larger number, and it is listed here.

77K
standard denials in filings that report appeals the filings
5K
appeals filed · 6.8% of denials
47.3%
of appeals overturned the denial
72K
denials never appealedⓘ

Everything on this page is computed from the published counts in the filings; the plan pages show the source document for each figure. Where a plan published a rate without counts it cannot appear here, because a rate nobody can check is not a number of denials.