Insurance Denials for Doctor-Ordered Scans: New Rules and Appeal Strategies for 2026
In 2026, insurance denials for doctor-ordered scans, such as PET scans, remain a significant issue for patients, including celebrities like Christy Carlson Romano. Romano, known for her roles in 'Even Stevens' and 'Kim Possible,' shared her experience of having a cancer screening denied by her insurer, highlighting a common frustration among patients. The denial of such scans often leaves patients with hefty out-of-pocket costs, ranging from $1,500 to $6,000. A new federal rule, effective January 1, 2026, mandates insurers to respond to standard prior authorization requests within seven days and urgent requests within 72 hours, reducing the previous 14-day period. Additionally, starting March 31, 2026, Medicare Advantage, Medicaid, and ACA marketplace insurers must publicly disclose their prior authorization approval and denial rates, allowing patients to compare plans more effectively.