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

three years of prior authorization threads, summarised so you do not have to read them

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The title is the argument: three years of prior authorization threads, summarised so you do not have to read them. Here is the rest of it. Prior authorisation criteria are republished each plan year. A criterion that blocked you in one year may not exist in the next, so a denial is worth retesting after the turnover.…

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6 comments, started 1 months ago
u/gustav_vermeulen79 points·1 months ago

That advice is jurisdiction-specific and this board spans several. Say where you are.

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u/camila_vasquez23 points·1 months ago

Missed a deadline because I counted from when I opened the envelope. That mistake cost me an entire cycle.

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u/line_bergstrom53 points·1 months ago

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

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u/RetaAndRegret2OP23 points·1 months ago

prior authorisation criteria change every plan year

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u/RetaAndRegret2OP42 points·1 months ago

the second-level appeal is where things actually turn

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u/elise_grimaldi29 points·1 months ago

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

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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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