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Single comment threadYou are looking at one branch of does copay actually matter or is it forum lore at this point — 39 comments in the full submission. View in context.
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c/insurancefights·submitted 1 year ago by u/fabio_kuipers

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

Questionbranch of 10 comments

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…

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10 comments, started 1 year ago
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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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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