Baxter v. MBA Group Insurance Trust Health & Welfare Plan

958 F. Supp. 2d 1223, 2013 WL 3819921, 2013 U.S. Dist. LEXIS 103063
CourtDistrict Court, W.D. Washington
DecidedJuly 23, 2013
DocketNo. C12-1548 TSZ
StatusPublished
Cited by7 cases

This text of 958 F. Supp. 2d 1223 (Baxter v. MBA Group Insurance Trust Health & Welfare Plan) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Baxter v. MBA Group Insurance Trust Health & Welfare Plan, 958 F. Supp. 2d 1223, 2013 WL 3819921, 2013 U.S. Dist. LEXIS 103063 (W.D. Wash. 2013).

Opinion

ORDER

THOMAS S. ZILLY, District Judge.

THIS MATTER comes before the Court on the Parties’ cross motions for summary judgment, docket nos. 14 and 18. The Court has reviewed the motions, opposition, and replies, and all pleadings related thereto, and now enters the following Order.

I. Background

Plaintiff David Baxter was diagnosed with early stage prostate cancer in September 2011. Complaint at ¶ 3; Administrative Record (“AR”) at 139. Plaintiff was 51 years old and otherwise in good health at the time of diagnosis. AR at 139. His doctors classified his cancer as intermediate-risk. Id. at 23-24. He was a participant in the “MBA Group Insurance Trust Health and Welfare Plan” (the “Plan”), an employee welfare benefit plan governed by the Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. § 1002(1). Complaint at ¶¶ 4-7. The Plan is underwritten and administered by Defendant Regence Blueshield (“Regence”). Id.

Following consultation with several specialists, Plaintiff determined that his preferred course of treatment was a form of radiation therapy called “proton therapy.” Id. at ¶ 3. In contrast to more commonly used forms of radiation therapy that are delivered with x-rays, including conformal radiation therapy (CRT) and intensity-modulated radiation therapy (IMRT), proton therapy delivers radiation with proton beams. Rossi Deck at 16-18, docket no. 16. Plaintiff concluded that proton therapy treatment would be the best option for controlling his cancer and preserving his quality of life. Complaint at ¶ 3. Plaintiff requested preauthorization for proton therapy from Regence. Id.; AR at 18.

Regence denied coverage on November 21, 2011. AR at 7. It concluded that proton therapy was not a “medically necessary” treatment under the relevant Plan language and Regence’s Medical Policy 49. Id. at 7-9; Complaint at ¶ 3. Specifically, Regence stated:

[W]e are unable to authorize the above service(s) because charged-particle irradiation with proton beams is considered not medically necessary in patients with clinically localized prostate cancer because the clinical outcomes with this treatment have not been shown to be superior to other approaches including intensity modulated radiation therapy (IMRT) or conformal radiation therapy. This request does not meet Regence Medical Policy [49].

AR at 7. Regence Medical Policy 49 provides, in relevant part:

Charged-particle irradiation with proton beams is considered not medically necessary in patients with clinically localized prostate cancer because the clinical outcomes with this treatment have not been shown to be superior to other approaches including intensity modulated radiation therapy (IMRT) or conformal radiation therapy. Charged-particle irradiation with proton beams is more costly than other alternatives for treatment, and is therefore not medically necessary.

Id. at 82.

Plaintiff appealed the denial of coverage, arguing that proton therapy is clinically [1226]*1226superior to IMRT and therefore, meets the Plan’s definition of medically necessary treatment. Complaint at ¶ 36; AR at 32-64. Plaintiff also argued that Regence did not meet its burden to demonstrate that proton therapy is more costly than IMRT. Id. Plaintiff attached to his appeal letters of support from Dr. Grover, his treating physician at the Loma Linda University Medical Center facility where Plaintiff received proton therapy treatment, and from Dr. Laramore, a radiation oncologist and Chair of the Department of Radiation Oncology at the University of Washington Medical Center. AR at 66-73.

Regence referred the appeal for an independent medical review, AR at 26-30, and again denied coverage in February 2012, concluding that:

We have decided the original denial was appropriate. As a result, we regret to inform you that your appeal has been denied. The rationale for this decision follows: As per our medical policy and National Comprehensive Cancer Network guidelines, proton beam therapy has not been proven better, or to have significantly fewer side effects, than intensity modulated radiation therapy (IMRT), brachytherapy, or 3D conformal radiation therapy (CRT). The reviewing physician notes that at the 2012 American Society of Clinical Oncology (ASCO) Genitourinary meeting, a study was presented comparing IMRT, 3D CRT, and proton therapy for prostate cancer using the Medicare SEER database from 2000 to 2009. The study showed that proton therapy was not associated with superior outcomes to IMRT, and that protons were associated with increased gastrointestinal toxicity.

Id. at 102 (emphasis added).

Plaintiff appealed a second time. Complaint at ¶ 38; AR 147-69. In his second appeal, Plaintiff informed Regence that he had completed proton therapy and had turned to family and friends to cover the cost of treatment. AR at 167. Regence again denied coverage. Id. at 519. In its denial letter, Regence stated:

Our records indicate that your group coverage has been terminated effective August 1, 2012, following termination of your employment. Because you are requesting benefit consideration for future services on a closed account, your appeal has been declined.

Id.

Plaintiff commenced the present action in September 2012 under ERISA, 29 U.S.C. § 1132(a)(1)(B), which allows a plan participant or beneficiary to sue to “recover benefits due to him under the terms of the plan.” He alleges that the Plan provides coverage for medically necessary treatment; that proton therapy was medically necessary in his case; and that Regence, both initially and following an administrative appeal, wrongfully denied coverage under the Plan. Plaintiff seeks reimbursement for the cost of the proton therapy, specific performance, costs and attorney fees. Complaint at ¶¶ 46-48.

The Parties have filed cross-motions for summary judgment. Plaintiff argues that Regence improperly denied coverage. Plaintiffs Motion for Summary Judgment, docket no. 14. Regence claims that coverage was properly denied under the terms of the Plan as “not medically necessary” because another form of radiation therapy provides equivalent treatment at a lower cost. Defendants’ Motion for Summary Judgment, docket no. 25.

II. Standard of Review

The standard of review in an ERISA case in which benefits were denied is de novo, unless the plan confers discretion on the administrator. Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 115, 109 S.Ct. 948, 103 L.Ed.2d 80 (1989). The Parties agree that the Plan did not confer [1227]*1227discretion on the administrator and that this Court reviews Regence’s denial of coverage de novo. Plaintiffs Motion for Summary Judgment at 15-16; Opposition to Plaintiffs Motion for Summary Judgment at 17, docket no. 27.

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Bluebook (online)
958 F. Supp. 2d 1223, 2013 WL 3819921, 2013 U.S. Dist. LEXIS 103063, Counsel Stack Legal Research, https://law.counselstack.com/opinion/baxter-v-mba-group-insurance-trust-health-welfare-plan-wawd-2013.