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

stalled for 6 weeks at 2.4mg and I refuse to panic this time

Appeal Well Actually ×7 Sourced ×2 Receipts ×2

Quick one. Canada here.

denial works very differently where I live than in the threads that dominate the front page, and I keep seeing people confidently given advice that simply does not apply outside the US.

Specifics: the route I used took 2 weeks and cost roughly what I expected. The admin was worse than the cost. The thing that would have saved me the most time was knowing which document to ask for at the start.

Happy to answer questions from anyone in the same jurisdiction.

8,536 up / 3,151 down73% upvoted64 commentsid gf389z14 Feb 2024

64 comments

28 in this archive, depth 5

best — the order this archive was captured in

u/hassan_castellanos517 points·2 years ago

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

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u/step_therapy_sMOD311 points·2 years ago

Flair changed to match the content. Read the sidebar before posting next time and we are square.

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u/marta_marchand360 points·2 years ago

appeal letter templates are in the wiki

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u/maren_ibarra87 points·2 years ago

appeal letter templates are in the wiki

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

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u/osman_ferrari209 points·2 years ago

Did you get step therapy or outright denial?

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u/kian_balogun48 points·2 years ago

Not to be pedantic but appeal and copay are being used interchangeably and they are not interchangeable in real life.

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u/saskia_rahimi167 points·2 years ago

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

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u/whois_wanda38 points·2 years ago

external review is the appeal after insurance says no

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[deleted]27 points·2 years ago

[deleted]

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u/kaia_cabreraOP15 points·2 years ago

Poland plan: step therapy required 23 medications first. Did them all, got approval. The order matters.

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u/kaia_cabreraOP27 points·2 years ago

copay is separate from coverage

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u/kaia_cabreraOP20 points·2 years ago

redact member ids and group numbers from every screenshot

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u/ines_krastev12 points·2 years ago

copay is separate from coverage

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u/emeka_delgado3 points·2 years ago

appeal letter templates are in the wiki

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u/teodor_duarte132 points·2 years ago

The practical rule people converge on is 28 days at fridge temperature after first puncture, and that comes from the preservative, not the peptide.

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u/ismael_nwosu97 points·2 years ago

External review overturned the denial. Took 22 weeks but the process exists.

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u/marta_vanhecke69 points·2 years ago

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

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u/vikram_mbeki34 points·2 years ago

the carve-out clause varies by employer

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u/emeka_delgado17 points·2 years ago

step therapy documentation is the weapon, use it

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u/neha_erdogan13 points·2 years ago

Did you get step therapy or outright denial?

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u/marisol_moreau72 points·2 years ago

External review overturned the denial.

Yes, exactly this, and it is the bit that took me 74 weeks to accept.

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u/marta_dziedzic36 points·2 years ago

the carve-out clause varies by employer

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u/hamza_weiss56 points·2 years ago

prior auth criteria are state-specific, step therapy differs

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u/janoshik_junkieindependent tester0 points·2 years ago

denial reason codes matter, ask for the actual code

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u/sofia_nascimento1 point·2 years ago

copay is separate from coverage

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u/tidy_vialdrawer_watch1 point·2 years ago

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

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u/edit_for_clarity0 points·2 years ago

No. This is the kind of confident post that gets copied into a screenshot and repeated for years. Where is the evidence.

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u/gustav_vermeulen1 point·2 years ago·edited

say which country and which plan type

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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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