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

the step therapy question that gets asked weekly, answered properly

Question Well Actually ×1 Cold Box ×2

Genuinely asking, not being difficult.

Everyone in c/labresults repeats that appeal is important. I believe it, but I have never seen anyone show why, and when I search I get 16 threads of people agreeing with each other.

Is there a paper? Is there a measurement? Or is this one of those things that is true because it has been repeated since 2023?

I am not trying to be the "source?" guy. I would just like a source.

1,744 up / 118 down94% upvoted52 commentsid 1fmot628 Feb 2026

52 comments

29 in this archive, depth 5

best — the order this archive was captured in

u/teodor_duarte230 points·5 months ago

appeal letter templates are in the wiki

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u/step_therapy_sMOD133 points·4 months ago·edited

Retitled to remove editorialising. Put the evidence in the body.

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[removed]55 points·4 months ago

[removed by moderator]

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u/sanne_novak-35 points·5 months ago

Copay was prior authorization for the copay then another 13% of the total. Read the actual plan document.

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u/maren_sorensen91 points·5 months ago

I love that this community will spend 40 comments on a detail. That pedantry is why the numbers here matter.

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u/kian_ferreira32 points·5 months ago

This is correct. Appeal letters work.

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u/coring_the_stopper0 points·5 months ago

appeal letter templates are in the wiki

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u/hugo_pires22 points·5 months ago

Edit to your parent would help — the concentration you quoted assumes one scenario and you have written another above it.

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u/ferritin_low57 points·5 months ago

Strongly agree. Step therapy is predictable if you have the criteria.

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u/tidy_vialdrawer_watch54 points·5 months ago

Respectfully this is a sample of one presented as a finding.

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u/vito_beaulieuOP23 points·5 months ago

Respectfully this is a sample of one presented as a finding.

Disagree on that part. 98.1% and 98.3% on the same vial is normal.

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u/controversial_only26 points·5 months ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/vito_beaulieuOP18 points·4 months ago

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

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u/controversial_only11 points·4 months ago

copay is separate from coverage

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u/vito_beaulieuOP8 points·4 months ago

Copay was prior authorization for the copay then another 23% of the total. Read the actual plan document.

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u/formulary_fighterappeals10 points·4 months ago

prior auth criteria are state-specific, formulary differs

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u/osman_ferrari20 points·4 months ago·edited

say which country and which plan type

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u/karim_restrepo9 points·4 months ago

No. This is the kind of confident post that gets copied into a screenshot and repeated for years. Where is the evidence.

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u/osman_ferrari4 points·4 months ago

Which plan type? step therapy is different.

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u/saskia_rahimi15 points·5 months ago

Which plan type? step therapy is different.

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u/sofia_ferreira9 points·5 months ago

Did you get step therapy or outright denial?

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u/kasper_cabrera6 points·4 months ago

say which country and which plan type

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u/dose_diary_danalog keeper6 points·5 months ago

This is correct. Appeal letters work.

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u/blunt_coldbox_notes11 points·5 months ago

say which country and which plan type

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u/neha_erdogan7 points·4 months ago

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

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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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