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434

[Denied] employer carve-out was in the plan document, not the summary

Denied Long Haul ×4

Long-ish post, sorry. tl;dr at the bottom.

I have been tracking copay against eGFR for 23 weeks because I could not find anyone who had. The correlation is weaker than I expected, which is itself mildly interesting given how confidently people link the two in here.

Caveats up front: one person, one lab, one assay, no control, and I changed my training in the middle of it, which was stupid.

tl;dr: probably real, definitely smaller than the threads imply, and not worth reorganising your week around.

2,832 up / 2,398 down54% upvoted19 commentsid 19qlpj21 Jul 2026

19 comments

19 in this archive, depth 4

best — the order this archive was captured in

u/kian_ferreira73 points·7 days ago

appeal letter templates are in the wiki

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u/dose_diary_danalog keeper37 points·7 days ago

Strongly agree. Step therapy is predictable if you have the criteria.

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u/kasper_cabrera29 points·6 days ago

denial reason codes matter, ask for the actual code

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u/tuva_kirchner46 points·7 days ago
search before post, but also, welcome
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u/marta_vanhecke29 points·6 days ago

This is correct. Appeal letters work.

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u/liv_vukovic9 points·6 days ago·edited

The confident tone is doing a lot of work that the evidence is not.

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u/marisol_moreau15 points·6 days ago

step therapy documentation is the weapon, use it

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u/neha_rahimi11 points·6 days ago

Strongly agree. Step therapy is predictable if you have the criteria.

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u/hamza_weiss-17 points·8 days ago
four days. it took four days for me.
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u/tidy_vialdrawer_watch1 point·7 days ago

Yeah, the denial code matters, it tells you what to fight.

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u/prior_auth_painMOD1 point·7 days ago

Flair changed to match the content. Read the sidebar before posting next time and we are square.

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u/marisol_moreauOP1 point·7 days ago

That is net peptide content, not purity. Different number, different meaning.

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u/janoshik_junkieindependent tester20 points·6 days ago

This is correct. Appeal letters work.

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u/tomas_lehtinen15 points·6 days ago

Edit to your parent would help — the concentration you quoted assumes one scenario and you have written another above it.

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u/appeal_letter_al7 points·6 days ago

external review is the appeal after insurance says no

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[removed]5 points·5 days ago

[removed by moderator]

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u/ferran_batista4 points·5 days ago

Disagree but this is the good kind of wrong — it is specific enough to be checked.

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u/elin_varga11 points·6 days ago

This is correct. Appeal letters work.

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About c/insurancefights

The paperwork war. Prior-authorisation criteria, denial reason codes, step-therapy documentation, external review, employer carve-outs, and the appeal letter templates the community has iterated on for three years. Mostly US-shaped but the tactics generalise.

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