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

formulary vs step therapy — genuinely asking which matters more

Question Cold Box ×4 Sourced ×2

step therapy. That is the whole post, but I will justify it.

Everything else people worry about in c/dosinglogs 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 15 months. My ApoB was the thing that eventually made me pay attention, which is a stupid way to learn a lesson that was in the sidebar the whole time.

1,449 up / 309 down82% upvoted65 commentsid b3y7wc30 Sep 2024

65 comments

30 in this archive, depth 5

best — the order this archive was captured in

u/elise_grimaldi189 points·1 year ago

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

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u/elin_varga56 points·1 year ago

Did you get step therapy or outright denial?

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u/prior_auth_painMOD177 points·1 year ago

Tracking number removed. It identifies both ends of a shipment.

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[removed]132 points·1 year ago

[removed by moderator]

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u/prior_auth_painappeals-11 points·1 year ago

Small correction: the trial was 6 weeks, not 14. Does not change your point but people will quote it.

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u/nadia_trevino96 points·1 year ago

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

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u/hamza_weiss127 points·1 year ago

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

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u/ignacio_vanhecke82 points·1 year ago

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

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u/fabio_kuipers66 points·1 year ago

step therapy documentation is the weapon, use it

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u/rekha_mbekiOP52 points·1 year ago

step therapy documentation is the weapon, use it

Disagree on that part. 93.7% and 99.3% on the same vial is normal.

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u/honest_syringe1918 points·1 year ago

Which plan type? denial is different.

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u/dose_diary_danalog keeper0 points·1 year ago

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

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u/line_bergstrom1 point·1 year ago

formulary exclusions are negotiable sometimes

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u/amira_dumitru1 point·1 year ago

formulary exclusions are negotiable sometimes

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

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u/peak_area_peteanalytical33 points·1 year ago

prior auth criteria are state-specific, step therapy differs

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u/ireland_drugs_pay18 points·1 year ago

prior auth criteria are state-specific, step therapy differs

Yes, exactly this, and it is the bit that took me 6 weeks to accept.

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u/rekha_mbekiOP14 points·1 year ago·edited

denial reason codes matter, ask for the actual code

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u/rekha_mbekiOP8 points·1 year ago

copay is separate from coverage

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u/amylin_amyamylin56 points·1 year ago

Which plan type? appeal is different.

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u/nikhil_asante31 points·1 year ago

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

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u/marta_dziedzic45 points·1 year ago·edited

Copay was formulary for the copay then another 6% of the total. Read the actual plan document.

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u/maren_sorensen28 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/ferritin_low30 points·1 year ago

formulary exclusions are negotiable sometimes

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u/sofia_nascimento32 points·1 year ago

This is correct. Appeal letters work.

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u/cardio_endpoint_c46 points·1 year ago

This is correct.

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

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u/bence_zielinski0 points·1 year ago

external review is the appeal after insurance says no

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u/ines_krastev28 points·1 year ago
this should be in the wiki
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u/marta_dziedzic23 points·1 year ago

the carve-out clause varies by employer

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u/edit_for_clarity6 points·1 year 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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