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c/insurancefights·posted 5 months ago by u/step_therapy_s

week 21 check-in — 37kg down, early fullness manageable, one thing confusing me

Appeal Receipts ×3 Long Haul ×1

Quick one. Canada here.

formulary 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 22 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.

8,483 up / 6,309 down57% upvoted62 commentsid 1fcp7h20 Feb 2026

62 comments

22 in this archive, depth 5

best — the order this archive was captured in

u/nadia_trevino248 points·5 months ago

External review overturned the denial. Took 20 weeks but the process exists.

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u/ferran_batista288 points·5 months ago

resubmission after denial requires new documentation

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u/prior_auth_painMOD132 points·5 months ago

This is an urgent-care question wearing a forum question's clothes. Please contact a clinician rather than waiting for replies.

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u/hedda_aguirre65 points·5 months ago

denial reason codes matter, ask for the actual code

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u/amara_haddad39 points·5 months ago

Disagree but this is the good kind of wrong — it is specific enough to be checked.

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u/ferran_dahlberg-9 points·5 months ago

resubmission after denial requires new documentation

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u/cardio_endpoint_c264 points·5 months ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/greta_chukwu84 points·5 months ago·edited

Small correction: the trial was 23 weeks, not 36. Does not change your point but people will quote it.

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u/blunt_coldbox_notes131 points·5 months ago

Which plan type? prior authorization is different.

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u/solene_eriksen100 points·5 months ago

redact member ids and group numbers from every screenshot

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u/ireland_drugs_pay115 points·5 months ago

This is correct. Appeal letters work.

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u/edit_for_clarity72 points·5 months ago

Every time this gets posted it hits the front page and every time someone has to re-explain it.

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u/nikhil_asante54 points·5 months ago

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

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u/gustav_vermeulen50 points·5 months ago

Mechanistically the bit that matters is prior authorization. It explains most of the early profile and a decent chunk of the outcome.

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u/step_therapy_sOP26 points·5 months ago

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

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u/pavel_nkemelu21 points·5 months ago·edited

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

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u/neha_erdogan6 points·5 months ago

denial reason codes matter, ask for the actual code

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u/oskar_kaufmann2 points·5 months ago·edited

the carve-out clause varies by employer

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u/solene_eriksen1 point·5 months ago

say which country and which plan type

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u/hugo_pires19 points·5 months ago

copay is separate from coverage

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u/emeka_delgado24 points·5 months ago

I am going to push back on this slightly.

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u/vito_beaulieu68 points·5 months ago

do not suggest misrepresenting a diagnosis, that is fraud

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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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