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c/insurancefights·posted 1 months ago by u/RetaAndRegret2

the prior authorization question that gets asked weekly, answered properly

Template Receipts ×3 Long Haul ×1

Quick one. Canada here.

prior authorization 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 15 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.

2,554 up / 906 down74% upvoted66 commentsid 1fmlno31 May 2026

66 comments

26 in this archive, depth 5

best — the order this archive was captured in

u/formulary_fighterMOD193 points·1 months ago

Tracking number removed. It identifies both ends of a shipment.

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u/hassan_chowdhury98 points·1 months ago

denial reason codes matter, ask for the actual code

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u/camila_vasquez178 points·1 months ago·edited

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

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u/milan_wikstrom59 points·1 months ago·edited

formulary exclusions are negotiable sometimes

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u/milos_vestergaard53 points·1 months ago

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

Counter-anecdote: opposite result, same dose. Which mostly tells us the variance is huge.

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u/blunt_coldbox_notes33 points·1 months ago

redact member ids and group numbers from every screenshot

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u/neha_erdogan13 points·1 months ago

This is correct. Appeal letters work.

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u/tomas_lehtinen0 points·1 months ago

Water content matters more than people think. If a vial is carrying residual moisture, your "10mg" is not 10mg of peptide.

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u/line_petrov1 point·1 months ago

copay is separate from coverage

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u/karim_restrepo83 points·1 months ago

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

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u/edit_for_clarity107 points·1 months ago

Which plan type? denial is different.

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u/oskar_kaufmann80 points·1 months ago

Which plan type?

Adding to this: denial is doing more work than the comment implies.

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u/plain_titration_202432 points·1 months ago·edited

external review is the appeal after insurance says no

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u/edit_for_clarity43 points·1 months ago

Which state? Coverage varies.

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u/elise_grimaldi30 points·1 months ago

external review is the appeal after insurance says no

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u/gustav_vermeulen79 points·1 months ago

What was the denial code?

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u/camila_vasquez0 points·1 months ago

resubmission after denial requires new documentation

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u/kasper_cabrera1 point·1 months ago

resubmission after denial requires new documentation

Disagree on that part. 96.8% and 96.2% on the same vial is normal.

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u/line_bergstrom63 points·1 months ago·edited

This is the "correlation is mechanism" thing again. You changed three variables at once.

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u/RetaAndRegret2OP41 points·1 months ago·edited

Poland plan: step therapy required 20 medications first. Did them all, got approval. The order matters.

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u/RetaAndRegret2OP21 points·1 months ago

copay is separate from coverage

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u/runa_wikstrom64 points·1 months ago

step therapy documentation is the weapon, use it

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u/solene_eriksen17 points·1 months ago

Copay was formulary for the copay then another 2% of the total. Read the actual plan document.

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u/formulary_fighterappeals8 points·1 months ago

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

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u/sock_puppet_spotter6 points·1 months ago

external review is the appeal after insurance says no

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u/kian_ferreira2 points·1 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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