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c/insurancefights·posted 1 year ago by u/fabio_kuipers

does copay actually matter or is it forum lore at this point

Question Well Actually ×1 Slow Clap ×3

Trying to settle this properly because the thread from last year went in circles.

The claim: external review matters. The counter-claim: it is measurement error. Both sides have been asserting it confidently for about 18 months without either producing anything.

What would actually settle it is 3 people measuring the same thing the same way. I have started; my numbers are below. They lean one way but not strongly enough for me to declare victory.

If you have data, post the data. If you have an opinion, flair it as an opinion.

9,571 up / 8,439 down53% upvoted39 commentsid 1b6ov221 Jun 2025

39 comments

30 in this archive, depth 5

best — the order this archive was captured in

u/ferritin_low201 points·1 year ago

Half-life is about 168 hours, so steady state lands around week 2–5. Practical consequence: what you feel in week 1 is not what that dose does.

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u/marta_marchand98 points·1 year ago

say which country and which plan type

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u/saskia_lokken238 points·1 year ago

Half-life is about 168 hours, so steady state lands around week 2–5.

Counter-anecdote: opposite result, same dose. Which mostly tells us the variance is huge.

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u/ferran_dahlberg185 points·1 year ago·edited

external review is the appeal after insurance says no

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u/hedda_aguirre100 points·1 year ago

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

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u/adaeze_cabrera58 points·1 year ago

formulary exclusions are negotiable sometimes

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u/hugo_pires42 points·1 year ago

Which state? Coverage varies.

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u/step_therapy_sMOD114 points·1 year ago

Removed a chain here. The rule is one line long and it is not negotiable.

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u/slow_logbook_notes28 points·1 year ago

Sceptical. If this were true we would see it reflected in the data and we do not.

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u/sock_puppet_spotter9 points·1 year ago

prior auth criteria are state-specific, appeal differs

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u/maren_sorensen172 points·1 year ago

Rodent data is rodent data. Dose scaling is not linear and the models tell you what to investigate, not what to expect.

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u/ferran_batista38 points·1 year ago

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

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u/sock_puppet_spotter15 points·1 year ago

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

Yes, exactly this, and it is the bit that took me 84 weeks to accept.

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u/controversial_only128 points·1 year ago

redact member ids and group numbers from every screenshot

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u/fabio_kuipersOP74 points·1 year ago

External review overturned the denial. Took 9 weeks but the process exists.

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u/adaeze_weiss122 points·1 year ago

denial reason codes matter, ask for the actual code

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u/janoshik_junkieindependent tester166 points·1 year ago

This is correct. Appeal letters work.

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u/hugo_pires0 points·1 year ago

prior auth criteria are state-specific, copay differs

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u/elin_lindqvist80 points·1 year ago

copay is separate from coverage

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u/dose_diary_danalog keeper61 points·1 year ago

prior auth criteria are state-specific, denial differs

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u/line_bergstrom50 points·1 year ago·edited

Not convinced. The evidence does not support that reading.

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u/kian_ferreira86 points·1 year ago

the carve-out clause varies by employer

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u/amira_dumitru107 points·1 year ago·edited

Which plan type? prior authorization is different.

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u/neha_rahimi71 points·1 year ago

Which plan type?

Yes, exactly this, and it is the bit that took me 49 weeks to accept.

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u/maren_ibarra61 points·1 year ago

copay is separate from coverage

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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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