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Clinical Criteria & Guidelines

How We Determine Medical Necessity

A structured, physician-led process that combines coverage requirements, criteria, evidence and individual clinical circumstances.

Identify the coverage framework

Determine the payer and product—such as Traditional Medicare, Medicare Advantage, Medicaid or commercial coverage—because different requirements may apply.

Identify applicable regulatory and coverage requirements

Evaluate relevant law, CMS guidance, NCDs, LCDs, state requirements, contractual requirements and health-plan policies.

Apply appropriate clinical decision support

Use client-approved clinical decision-support criteria, when applicable, to structure the clinical review.

Consider specialty guidance and evidence

Consult authoritative specialty recommendations or evidence when the clinical question requires additional depth.

Evaluate the individual patient

Assess presenting illness, objective findings, comorbidities, treatment, response, clinical trajectory, risk and expected course.

Document a clear physician rationale

Explain why the applicable facts and standards support the final determination.

Illustrative workflow

COPD inpatient review

Coverage → criteria → clinical severity → expected hospital course → applicable regulation → physician judgment → documented rationale.

This prevents the review from being reduced to a single checkbox and keeps the analysis tied to the actual clinical record.

Core principle: Criteria inform the decision. Physician reviewers interpret the clinical record within the applicable coverage framework.

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Discuss ongoing coverage, overflow reviews, appeals, or a customized UM program.

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