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c/insurancefights·submitted 1 year ago by u/adaeze_weiss

help me understand denial, I have read the wiki twice

Questionbranch of 16 comments

step therapy. That is the whole post, but I will justify it. Everything else people worry about in c/meta is downstream of it. Titration speed, reflux, the endless dose arguments — most of it resolves if you sort step therapy out first, and almost nobody does. I say this having got it wrong for 7 months. My fasting…

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16 comments, started 1 year ago
u/amara_haddad891 points·1 year ago
genuine question, not being difficult: how do you know
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u/plain_titration608 points·1 year ago

redact member ids and group numbers from every screenshot

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u/liv_vukovic377 points·1 year ago

the carve-out clause varies by employer

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[removed]271 points·1 year ago

[removed by moderator]

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u/step_therapy_s208 points·1 year ago

say which country and which plan type

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u/saskia_lokken114 points·1 year 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/plain_titration_2024106 points·1 year ago·edited

step therapy documentation is the weapon, use it

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u/hassan_chowdhury706 points·1 year ago

genuine question, not being difficult: how do you know

Adding to this: prior authorization is doing more work than the comment implies.

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u/ferran_batista825 points·1 year ago

genuine question, not being difficult: how do you know Adding to this: prior authorization is doing more work than the comment implies.

Adding to this: copay is doing more work than the comment implies.

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u/rekha_mbeki1.2k points·1 year ago

This is correct. Appeal letters work.

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u/appeal_letter_al775 points·1 year ago

prior auth criteria are state-specific, prior authorization differs

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u/amara_haddad-33 points·1 year ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/jarno_adeyemi253 points·1 year ago·edited

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

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u/adaeze_weissOP114 points·1 year ago

appeal letter templates are in the wiki

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u/elin_varga994 points·1 year ago

copay is separate from coverage

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u/formulary_fighterappeals274 points·1 year ago

appeal letter templates are in the wiki

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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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c/insurancefights rules
  1. Say which country and which plan type. "Insurance" means eleven different things.
  2. Redact member ids and group numbers from every screenshot.
  3. Do not suggest misrepresenting a diagnosis. That is fraud and it gets you banned.
  4. Independent community. Nobody here sells anything, and anyone who tries is banned.
  5. Not medical advice. Describe what you did; never prescribe to a stranger.
  6. Claims need evidence. Batch numbers, dated screenshots, independent test reports, or a citation.
  7. No referral links, discount codes or affiliate URLs. Permanent ban, no appeal.
  8. No contact handles, wallet addresses or tracking numbers — they identify people.
  9. Be recognisably decent. Disagree hard, insult nobody.
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