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232

[Win] approved after i sent them their own policy criteria back

Win

Quick one. Canada here.

appeal 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 21 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.

335 up / 103 down77% upvoted27 commentsid 1a0lb819 Jul 2026

27 comments

18 in this archive, depth 5

best — the order this archive was captured in

u/appeal_letter_alMOD46 points·9 days ago

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

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u/rekha_mbeki22 points·9 days ago·edited

You have restated the marketing copy. What is the actual substance here.

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[deleted]17 points·9 days ago

[deleted]

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u/plain_titration20 points·9 days 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/sofia_nascimento10 points·9 days ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/ignacio_vanhecke5 points·9 days ago

appeal letter templates are in the wiki

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u/controversial_onlyOP4 points·8 days ago

New Zealand plan: step therapy required 5 medications first. Did them all, got approval. The order matters.

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u/hassan_chowdhury25 points·9 days ago

Which plan type? formulary is different.

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u/tidy_vialdrawer_watch16 points·9 days ago

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

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u/marisol_moreau4 points·8 days ago

What was the denial code?

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u/controversial_onlyOP19 points·9 days ago

step therapy documentation is the weapon, use it

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u/marta_vanhecke5 points·9 days ago

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

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u/amylin_amyamylin33 points·9 days ago

the carve-out clause varies by employer

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u/controversial_onlyOP15 points·9 days ago

Copay was step therapy for the copay then another 7% of the total. Read the actual plan document.

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u/prior_auth_painappeals18 points·9 days ago

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

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u/maren_ibarra10 points·8 days ago

formulary exclusions are negotiable sometimes

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u/sofia_nascimento8 points·8 days ago

resubmission after denial requires new documentation

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u/sofia_ferreira19 points·8 days ago

Not convinced. The evidence does not support that reading.

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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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