Cigna Denied Your Knee Replacement?
Published data shows denial and appeal outcomes vary by plan, product year, denial reason, and documentation. Use this page to spot the issues to request and the evidence to gather before you decide what to submit.This template provides issues to verify, not insurer-specific outcome or deadline predictions. Your denial notice, current plan document, claim status, and governing program control.
Deadlines and review routes depend on plan type, urgent or standard status, whether care has already occurred, jurisdiction, and review level. Use the dates and instructions in the denial notice and current plan documents.
Why they said no
Common reasons Knee Replacement claims are denied
Not medically necessary — conservative treatment not exhausted
Prior authorization not obtained
BMI requirements not met per insurer guidelines
Cigna checks
Issues to check in the Cigna notice
Ask what review occurred in your case — which criteria were applied and whether a clinician individually reviewed your records
Step-therapy requirements — check whether the plan credited medications you already tried
An "experimental" classification — compare it with the FDA-approved indication and the plan’s own medical policy
What works
How to Strengthen Your Knee Replacement Appeal
Documentation of failed conservative treatments (PT, injections, bracing)
Radiology showing bone-on-bone or severe joint degeneration
Letter of medical necessity from treating orthopedic surgeon
Functional limitation documentation (inability to work, walk, climb stairs)
Rules to verify
Rights and coverage rules that may apply
Claims-and-appeals rules — check whether your plan is subject to ACA, ERISA, Medicare, or state review requirements
The plan’s written orthopedic coverage criteria — confirm the exact conservative-treatment and documentation requirements cited
External review — may apply only for an eligible plan and qualifying medical-judgment denial; follow the final denial notice
Playbook
Tips for Appealing to Cigna
Request the name and credentials of the reviewer and written confirmation that a clinician conducted an individualized review
Gather evidence of prior failed treatments to counter step therapy requirements
Obtain peer-reviewed studies supporting FDA-approved treatments
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Knee Replacement denials by other insurers
This information is for educational and informational purposes only. It does not constitute legal or medical advice. This page cites no statistics; it lists issues to verify against your own denial notice, plan documents, and the governing rules. Individual results vary. Consult a qualified professional before taking action on your specific situation.