Cigna breast reconstruction denied: how to appeal

Quick answer

If Cigna (Evernorth) denied your breast reconstruction, you can appeal, and the plan must give you its file and the criteria it used. Filing windows by plan type: at least 180 days (employer self-funded plans); at least 180 days (insured and Marketplace plans); 65 days from the notice (Medicare Advantage); 65 days from the notice (Part D). The date printed on your denial notice controls; it can only be later than these floors, never earlier.

Why Cigna (Evernorth) denies breast reconstruction

Cigna serves a large employer-sponsored book and runs Medicare Advantage in select markets. The company's automated 'PXDX' review process for high-volume denials has been the subject of recent litigation and regulatory scrutiny.

For breast reconstruction specifically: Reconstruction after mastectomy, symmetry procedures on the other breast, revisions, and prostheses are denied as 'cosmetic' or 'not medically necessary'. A federal law decides most of these cases.

The law that controls this appeal

The Women's Health and Cancer Rights Act of 1998 requires group health plans and insurers that cover mastectomy to also cover reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, prostheses, and treatment of physical complications including lymphedema, in consultation with the patient and physician (29 U.S.C. 1185b; 42 U.S.C. 300gg-52). Medicare covers reconstruction after mastectomy as well. Plan criteria for staging and revisions must be disclosed on request.

At a glance

Cigna (Evernorth) appeals: the rule, the deadline and the next level, by plan type

Which row applies depends on the plan you hold, not on Cigna (Evernorth)'s brand. Your ID card, the Summary Plan Description and the denial letter say which.

Plan type	Rule that governs	File your appeal within	The plan must answer	If the plan says no again
Employer self-funded plan (ERISA) Most large employers. The employer pays the claims and hires the carrier to administer them; the Summary Plan Description says self-funded or self-insured.	ERISA § 503 (29 U.S.C. § 1133) and the claims-procedure rule, 29 CFR 2560.503-1. Federal external review under 45 CFR 147.136(d) for non-grandfathered plans.	At least 180 days from the adverse benefit determination (29 CFR 2560.503-1(h)(3)(i)).	Urgent care: 72 hours. Pre-service: 30 days. Post-service: 60 days (29 CFR 2560.503-1(i)(2)).	Federal external review by an accredited independent review organization, requested within 4 months of the final internal denial (45 CFR 147.136(d)); then a civil action under ERISA § 502(a). State insurance departments do not regulate self-funded plans; the U.S. Department of Labor does.
Fully insured employer, individual or Marketplace plan The carrier holds the risk and is licensed in your state. Small employers and almost all individual and HealthCare.gov plans.	45 CFR 147.136 (Public Health Service Act § 2719), which applies the 29 CFR 2560.503-1 procedures and adds state external review; state insurance law on top.	At least 180 days from the denial (45 CFR 147.136(b); 29 CFR 2560.503-1(h)(3)(i)).	Urgent care: 72 hours. Pre-service: 30 days. Post-service: 60 days. Prior-authorization decisions by Marketplace issuers from 2026: 72 hours expedited, 7 calendar days standard (CMS-0057-F).	External review through your state's process, or the federal process where the state has none, generally within 4 months of the final internal denial (45 CFR 147.136(c), (d)). The state insurance department and its Consumer Assistance Program take complaints.
Medicare Advantage (Part C) A private plan that replaces Original Medicare. The card says Medicare Advantage, HMO, PPO or PFFS.	42 CFR Part 422, Subpart M (§§ 422.560 to 422.634). Coverage decisions must follow Original Medicare rules (42 CFR 422.101).	65 calendar days from the date on the denial notice to request the plan's reconsideration (42 CFR 422.582, as amended effective 1 January 2025).	Expedited: 72 hours. Standard pre-service: 30 days (7 days for Part B drugs). Payment: 60 days (42 CFR 422.590).	If the plan does not fully reverse itself it must send the case to the Independent Review Entity on its own (42 CFR 422.592); then an ALJ hearing when the amount in controversy meets the annual threshold, the Medicare Appeals Council and federal court. State external review does not apply.
Medicare Part D (drug plan or MA-PD) A stand-alone drug plan or the drug benefit inside a Medicare Advantage plan.	42 CFR Part 423, Subpart M; exceptions under 42 CFR 423.578.	65 calendar days from the date on the notice to request a redetermination (42 CFR 423.582, as amended effective 1 January 2025). Formulary, tiering and step-therapy exceptions need the prescriber's supporting statement (§ 423.578).	Redetermination: 7 calendar days standard, 72 hours expedited (42 CFR 423.590). Coverage determinations: 72 hours standard, 24 hours expedited, once the prescriber's statement is received (§§ 423.568, 423.572).	Independent Review Entity reconsideration on your request within 65 days of the redetermination notice (§ 423.600); then ALJ, Council and court.

Employer self-funded plan (ERISA)

What you can demand. The plan must give you the claim file, the internal rule or criterion it relied on, and the identity of the reviewer, free of charge, on request (29 CFR 2560.503-1(h)(2)(iii), (m)(8)).

How to open the appeal. Cite ERISA § 503 and 29 CFR 2560.503-1 in the opening paragraph: request the claim file and the specific criteria relied on, and note the 30-day (pre-service), 60-day (post-service) and 72-hour (urgent) decision clocks.

Fully insured employer, individual or Marketplace plan

What you can demand. The plan must give you the claim file, the criteria it applied and any new evidence or rationale before the final decision, free of charge (45 CFR 147.136(b)(2)(ii)(C); 29 CFR 2560.503-1(h)(2)(iii)).

How to open the appeal. Cite 45 CFR 147.136 and 29 CFR 2560.503-1: request the claim file and the criteria, note the decision clocks, and name the state external-review right.

Medicare Advantage (Part C)

What you can demand. The plan may not apply internal criteria that are more restrictive than Medicare's national and local coverage determinations, and must decide medical necessity on your individual circumstances (42 CFR 422.101(b), (c)). You can ask for the case file and the criteria used.

How to open the appeal. Cite 42 CFR 422.582 and 422.101(c): the plan must decide on your individual circumstances under Medicare coverage rules, and must forward an unfavorable reconsideration to the IRE itself.

Medicare Part D (drug plan or MA-PD)

What you can demand. The exception turns on the prescriber's statement that the formulary alternative would be less effective or would harm you (42 CFR 423.578(b)(5)).

How to open the appeal. Cite 42 CFR 423.578 and 423.582 and attach the prescriber's supporting statement written to the exception standard.

Reported denial rates

In the CMS Transparency in Coverage data for plan year 2026 (2024 claims), the 12 Cigna (Evernorth)-family Marketplace issuer filings across 11 states reported in-network claim denial rates from 16.1% to 27.7% (median 20.2%). Issuer-level, self-reported, HealthCare.gov plans only; a denial includes duplicate and administrative denials.

Cigna (Evernorth) denial rate: every state, three years →

Primary sources for this table

Windows are federal floors or the rule as written; the denial notice controls. Reviewed 13 September 2026. General information, not legal advice; Apellica is not a law firm.

What Cigna (Evernorth) denies for breast reconstruction

The breast reconstruction services most often denied:

Reconstruction delayed beyond a plan's stated window after mastectomy
Symmetry surgery on the unaffected breast
Revision procedures, fat grafting, and nipple reconstruction
Implant exchange or removal for complications
Prostheses and lymphedema treatment

Why breast reconstruction claims get denied

A typical Cigna (Evernorth) breast reconstruction denial almost always cites one of these reasons. Each one maps to a specific rebuttal in the appeal:

Plan labels the procedure 'cosmetic'
Plan applies a time limit after the mastectomy
Staged procedure treated as elective rather than part of reconstruction
Documentation does not connect the procedure to the mastectomy
Coding submitted as cosmetic rather than reconstructive

The Cigna (Evernorth) appeal process

Appeal levels: Internal level 1 (30 days standard / 72h urgent), then independent external review.

Carrier timing: 180 days from initial denial for level-1 appeal.

Breast reconstruction timing: Internal appeal: at least 180 days to file for commercial and employer plans; pre-service decisions within 30 days (29 CFR 2560.503-1). Medicare Advantage: 65 days to request reconsideration. External review within 4 months of the final internal denial for ACA-covered plans.

What we know about Cigna (Evernorth): Cigna's peer-to-peer review window is short, usually a 24-48h scheduling block. We coordinate this directly with the prescribing physician.

Common Cigna (Evernorth) denial patterns for breast reconstruction

Algorithmic ('PXDX') denials. A class of Cigna denials are reviewed only briefly by physicians under an internal automated workflow. Appeals that demand a documented manual clinical review have produced strong reversal rates.
Urgent designation compresses timelines. Cigna honors the urgent flag aggressively when the prescribing doctor signs off. This drops the response window from 30 days to 72 hours.
Out-of-network billing disputes. Cigna's out-of-network reimbursement methodology has shifted multiple times. Rebilling using fair-market reasonable-and-customary data unlocks recoveries on cases coded as 'paid in full.'

How to win your Cigna (Evernorth) breast reconstruction appeal

Strategy for breast reconstruction: Cite the Women's Health and Cancer Rights Act by name and section in the appeal, and attach the mastectomy operative report and the surgeon's letter connecting each procedure to reconstruction or symmetry. The law contains no time limit for reconstruction; if the plan applies one, ask for the plan language. Ask the surgeon's office to confirm the procedure and diagnosis codes reflect reconstruction. Complications and lymphedema treatment are expressly covered.

Filed against Cigna (Evernorth), that strategy rides on this procedural spine:

Procedural-rights anchor. Cite ERISA § 503 and 29 CFR 2560.503-1 in the opening paragraph: request the claim file and the specific criteria relied on, and note the 30-day (pre-service), 60-day (post-service) and 72-hour (urgent) decision clocks. If your Cigna (Evernorth) coverage is a different plan type (Fully insured employer, individual or Marketplace plan, Medicare Advantage, Medicare Part D), use that row of the table above instead; the rule and the deadline change with the plan, not the carrier.
Criteria-disclosure demand. Cigna (Evernorth) frequently denies on "not medically necessary" without disclosing the clinical criteria applied. Once disclosed, those criteria become the rebuttal map.
Controlling-standard citation. The Women's Health and Cancer Rights Act of 1998 requires group health plans and insurers that cover mastectomy to also cover reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce a symmetrical appearance, prostheses, and treatment of physical complications including lymphedema, in consultation with the patient and physician (29 U.S.C. 1185b; 42 U.S.C. 300gg-52). Medicare covers reconstruction after mastectomy as well. Plan criteria for staging and revisions must be disclosed on request.
Treating-provider attestation. A letter from the treating physician addressing each criterion in Cigna (Evernorth)'s own policy language. This is the single strongest evidentiary element.
Requested action. A specific demand to reverse the breast reconstruction denial and approve the service, not a general "please reconsider."

Documents you'll need for your Cigna (Evernorth) breast reconstruction appeal

The denial letter with the reason stated
Mastectomy operative report and pathology
Surgeon's letter linking the denied procedure to reconstruction or symmetry
Photographs or clinical notes documenting asymmetry or complications where relevant
Plan document language on reconstruction

What a breast reconstruction appeal can recover

Typical recovery for breast reconstruction cases runs Reconstruction is a series of hospital and surgical procedures; the amount at stake is the plan's allowed amount for each denied stage.. The exact figure depends on the specific service and your plan's contracted rates.

Cigna (Evernorth) breast reconstruction appeals: frequently asked questions

Cigna (Evernorth) called my reconstruction cosmetic. Is that allowed?

If the plan covers mastectomy, federal law requires it to cover reconstruction, symmetry procedures, prostheses, and complications. Name the Women's Health and Cancer Rights Act in the appeal and attach the mastectomy records.

It has been three years since my mastectomy. Is it too late for Cigna (Evernorth) to cover reconstruction?

The federal law sets no deadline for reconstruction. If the plan applies one, request the exact plan language and appeal on it.

Does Cigna (Evernorth) have to cover surgery on the other breast?

Yes, where it is needed to produce a symmetrical appearance after mastectomy, under the same law.

My revision was denied. Is a revision covered by Cigna (Evernorth)?

Revisions that are part of completing reconstruction or treating complications fall within the law. The surgeon's letter should state which.

What Apellica does for Cigna (Evernorth) breast reconstruction appeals

We file appeals against Cigna (Evernorth) specifically configured to its internal review process. Every breast reconstruction appeal embeds the criteria-disclosure demand, the procedural-rights anchor, the controlling-standard citation above, treating-provider attestation language, and the peer-reviewed evidence relevant to the denied service.

Cost: $0 upfront. We work on contingency for Cigna (Evernorth) appeals, if the appeal succeeds, we collect a percentage of the recovered claim value. If it fails, you owe nothing.

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Cigna (Evernorth) denied your breast reconstruction? Here is what to do next