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c/insurancefights·posted 3 months ago by u/elise_grimaldi

small win: appeal stopped being a problem at week 5

Win Sourced ×7 Long Haul ×3

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

I have 22 data points over 22 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 19, not week 68. People give up long before the interesting part.

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

1,086 up / 133 down89% upvoted36 commentsid 1f2mga27 Apr 2026

36 comments

22 in this archive, depth 5

best — the order this archive was captured in

u/tuva_kirchner80 points·3 months ago

Three years on this site and the questions have not changed at all. Which is depressing or reassuring depending on the day.

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u/runa_wikstrom28 points·3 months ago

This is correct. Appeal letters work.

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u/vikram_mbeki39 points·3 months ago

This is correct. Appeal letters work.

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u/ahmed_abubakar56 points·3 months ago

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

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u/elise_grimaldiOP33 points·3 months ago

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

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u/elise_grimaldiOP34 points·3 months ago

external review is the appeal after insurance says no

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u/teodor_duarte-35 points·3 months ago

denial reason codes matter, ask for the actual code

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u/kaia_cabrera1 point·3 months ago

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

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u/curious_panel_only1 point·3 months ago

prior auth criteria are state-specific, prior authorization differs

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u/neha_erdogan1 point·3 months ago

copay is separate from coverage

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u/janoshik_junkieindependent tester33 points·3 months ago

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

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u/camila_vasquez9 points·3 months ago

resubmission after denial requires new documentation

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u/cardio_endpoint_c4 points·3 months ago

formulary exclusions are negotiable sometimes

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u/elise_grimaldiOP2 points·3 months ago

This is correct. Appeal letters work.

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u/bence_zielinski7 points·3 months ago·edited

do not suggest misrepresenting a diagnosis, that is fraud

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u/karim_restrepo2 points·3 months ago·edited

do not suggest misrepresenting a diagnosis, that is fraud

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

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u/hamza_weiss1 point·3 months ago

appeal letter templates are in the wiki

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u/canada_coverage42 points·3 months ago

Inter-lab variance on this kind of assay is routinely 1–2 points. Different column, different gradient, different integration.

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u/ines_krastev20 points·3 months ago

This is correct. Appeal letters work.

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u/runa_wikstrom14 points·3 months ago

copay is separate from coverage

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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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