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c/insurancefights·submitted 11 months ago by u/ines_krastev

reading formulary threads from 2024 and half of it aged badly

Appealbranch of 11 comments

reading formulary threads from 2024 and half of it aged badly. Making the case below, and I expect to lose some of it in the comments. Spent six weeks arguing in general terms and got nowhere. Two paragraphs quoting their own criteria turned it around in eleven days. Asked for the policy bulletin by number and wrote…

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11 comments, started 11 months ago
u/ferritin_low28 points·11 months ago

The process that has actually worked for people on this board, in order.

Get the denial in writing and find the criterion it names. Request the clinical policy bulletin by its number. Write the appeal against that document, criterion by criterion, attaching what has been tried and for how long. Note the deadline from the letter date and diarise it.

If the first level fails, go to the second. If the second fails, ask about external review, which is independent and, where it applies, binding. Keep every date, department and reference number as you go.

It is administrative rather than rhetorical, and the people who win are the ones who treat it that way.

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u/camila_vasquez8 points·11 months ago

Correction: that is a formulary exclusion, not a prior authorisation denial. Different form, different route, different deadline.

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u/wholesome_lurker5 points·11 months ago·edited

Yes — quoting their own policy bulletin back at them is far more effective than arguing in general terms.

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u/line_bergstrom23 points·11 months ago

employer plans and individual plans are different fights

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u/appeal_letter_alMOD21 points·11 months ago

Left up. It carries dates, a criterion and an outcome, which is what makes these threads useful.

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u/liv_kuipers7 points·11 months ago

A peer-to-peer conversation puts the prescribing clinician in front of a reviewing clinician. It bypasses the correspondence cycle entirely and is often the fastest available route.

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u/ines_krastevOP5 points·11 months ago

That criterion is from the previous plan year. The current bulletin has different wording.

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u/whois_wanda1 point·11 months ago

I would not skip the peer-to-peer. It is often the fastest route and it costs a phone call.

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u/coring_the_stopper2 points·11 months ago

Small fix — external review is independent of the plan. The second-level internal appeal is not.

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u/nikhil_asante25 points·11 months ago·edited

Yes. Written, always, even when they tell you a phone call is sufficient.

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u/marisol_moreau14 points·11 months ago

What has been documented as tried, and for how long?

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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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