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c/insurancefights·posted 10 months ago by u/prior_auth_pain

the copay question that gets asked weekly, answered properly

Discussion Clean Column ×3

Long-ish post, sorry. tl;dr at the bottom.

I have been tracking denial against eGFR for 21 weeks because I could not find anyone who had. The correlation is weaker than I expected, which is itself mildly interesting given how confidently people link the two in here.

Caveats up front: one person, one lab, one assay, no control, and I changed my training in the middle of it, which was stupid.

tl;dr: probably real, definitely smaller than the threads imply, and not worth reorganising your week around.

1,064 up / 322 down77% upvoted41 commentsid 1delom26 Sep 2025

41 comments

20 in this archive, depth 4

best — the order this archive was captured in

u/milan_wikstrom118 points·10 months ago

This is correct. Appeal letters work.

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u/plain_titration_202467 points·10 months ago

Copay was prior authorization for the copay then another 13% of the total. Read the actual plan document.

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u/prior_auth_painOPappeals80 points·10 months ago

New Zealand plan: step therapy required 24 medications first. Did them all, got approval. The order matters.

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u/neha_erdogan91 points·10 months ago

external review is the appeal after insurance says no

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u/kaia_cabrera56 points·10 months ago

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

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u/line_bergstrom0 points·10 months ago

Small correction: the trial was 20 weeks, not 18. Does not change your point but people will quote it.

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u/sanne_novak54 points·10 months ago

This is correct. Appeal letters work.

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u/marta_vanhecke18 points·10 months ago

step therapy documentation is the weapon, use it

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u/hugo_pires9 points·10 months ago·edited

formulary exclusions are negotiable sometimes

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u/prior_auth_painOPappeals5 points·10 months ago

External review overturned the denial. Took 16 weeks but the process exists.

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u/elin_lindqvist4 points·10 months ago

prior auth criteria are state-specific, copay differs

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u/marisol_moreau19 points·10 months ago

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

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[deleted]41 points·10 months ago

[deleted]

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u/maren_ibarra11 points·10 months ago

resubmission after denial requires new documentation

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u/karim_restrepo0 points·10 months ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/maren_sorensen1 point·10 months ago

appeal letter templates are in the wiki

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u/neha_rahimi1 point·10 months ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/gustav_vermeulen27 points·10 months ago

I love that this community will spend 40 comments on a detail. That pedantry is why the numbers here matter.

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u/ismael_nwosu20 points·10 months ago

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

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u/emeka_delgado21 points·10 months 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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