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c/insurancefights·posted 2 years ago by u/teodor_duarte

genuine question about external review that I am slightly embarrassed to ask

Appeal Long Haul ×1 Slow Clap ×3

Right, the formulary question again, but with numbers this time.

I have 24 data points over 12 weeks. The pattern is consistent enough that I do not think it is chance, and boring enough that nobody is going to screenshot it, which is usually a good sign.

The thing I would flag for anyone new: the effect I am describing showed up at week 85, not week 39. People give up long before the interesting part.

Interested in whether this matches other people's logs or whether I am an outlier.

2,816 up / 346 down89% upvoted38 commentsid f122b526 Jul 2024

38 comments

30 in this archive, depth 5

best — the order this archive was captured in

u/maren_ibarra273 points·2 years ago

external review is the appeal after insurance says no

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u/arne_amankwah169 points·2 years ago

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

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u/teodor_duarteOP97 points·2 years ago

Sceptical.

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

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u/adaeze_weiss60 points·2 years ago

external review is the appeal after insurance says no

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u/purity_pedantanalytical124 points·2 years ago

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

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u/teodor_duarteOP103 points·2 years ago

Denied for prior auth, resubmitted with step therapy documentation, approved on appeal. The criteria exist, you just have to meet them.

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u/teodor_duarteOP200 points·2 years ago

Sweden plan: step therapy required 3 medications first. Did them all, got approval. The order matters.

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u/appeal_letter_alMOD169 points·2 years ago

Retitled to remove editorialising. Put the evidence in the body.

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u/sofia_ferreira129 points·2 years ago

Retitled to remove editorialising.

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

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u/ilias_cabrera63 points·2 years ago

copay is separate from coverage

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u/ahmed_abubakar-8 points·2 years ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/purity_pedantanalytical1 point·2 years ago

do not suggest misrepresenting a diagnosis, that is fraud

Disagree on that part. 97.4% and 97.6% on the same vial is normal.

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u/ferran_dahlberg1 point·2 years ago

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

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u/camila_vasquez115 points·2 years ago

Denied for prior auth, resubmitted with step therapy documentation, approved on appeal. The criteria exist, you just have to meet them.

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u/maren_ibarra63 points·2 years ago

Which plan type? external review is different.

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u/arne_amankwah91 points·2 years ago

Which plan type?

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

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u/ahmed_abubakar91 points·2 years ago

Denied for prior auth, resubmitted with step therapy documentation, approved on appeal.

Disagree on that part. 97.9% and 97.6% on the same vial is normal.

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u/line_bergstrom75 points·2 years ago·edited

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

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u/maren_sorensen42 points·2 years ago

copay is separate from coverage

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u/elise_grimaldi68 points·2 years ago

formulary exclusions are negotiable sometimes

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u/elin_varga36 points·2 years ago

Respectfully this is a sample of one presented as a finding.

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[removed]50 points·2 years ago

[removed by moderator]

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u/muscle_cramp_mo62 points·2 years ago

What was the denial code?

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u/marta_marchand38 points·2 years ago

prior auth criteria are state-specific, prior authorization differs

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u/pavel_nkemelu23 points·2 years ago

prior auth criteria are state-specific, prior authorization differs

Yes, exactly this, and it is the bit that took me 40 weeks to accept.

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u/ismael_nwosu32 points·2 years ago

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

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u/curious_panel_only5 points·2 years ago

prior auth criteria are state-specific, prior authorization differs Yes, exactly this, and it is the bit that took me 40 weeks to accept.

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

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u/solene_eriksen3 points·2 years ago

external review is the appeal after insurance says no

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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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