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c/insurancefights·posted 1 year ago by u/adaeze_weiss

help me understand denial, I have read the wiki twice

Question Clean Column ×5 Cold Box ×1 Slow Clap ×1

step therapy. That is the whole post, but I will justify it.

Everything else people worry about in c/meta is downstream of it. Titration speed, reflux, the endless dose arguments — most of it resolves if you sort step therapy out first, and almost nobody does.

I say this having got it wrong for 7 months. My fasting insulin was the thing that eventually made me pay attention, which is a stupid way to learn a lesson that was in the sidebar the whole time.

4,000 up / 226 down95% upvoted34 commentsid 95xujk8 Jun 2025

34 comments

29 in this archive, depth 5

best — the order this archive was captured in

u/amara_haddad891 points·1 year ago
genuine question, not being difficult: how do you know
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u/plain_titration608 points·1 year ago

redact member ids and group numbers from every screenshot

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u/liv_vukovic377 points·1 year ago

the carve-out clause varies by employer

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[removed]271 points·1 year ago

[removed by moderator]

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u/step_therapy_s208 points·1 year ago

say which country and which plan type

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u/saskia_lokken114 points·1 year 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/plain_titration_2024106 points·1 year ago·edited

step therapy documentation is the weapon, use it

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u/hassan_chowdhury706 points·1 year ago

genuine question, not being difficult: how do you know

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

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u/ferran_batista825 points·1 year ago

genuine question, not being difficult: how do you know Adding to this: prior authorization is doing more work than the comment implies.

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

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u/rekha_mbeki1.2k points·1 year ago

This is correct. Appeal letters work.

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u/appeal_letter_al775 points·1 year ago

prior auth criteria are state-specific, prior authorization differs

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u/amara_haddad-33 points·1 year ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/jarno_adeyemi253 points·1 year ago·edited

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

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u/adaeze_weissOP114 points·1 year ago

appeal letter templates are in the wiki

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u/elin_varga994 points·1 year ago

copay is separate from coverage

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u/formulary_fighterappeals274 points·1 year ago

appeal letter templates are in the wiki

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u/neha_rahimi499 points·1 year ago

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

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u/dose_diary_danalog keeper398 points·1 year ago

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

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u/formulary_fighterappeals135 points·1 year ago

That is net peptide content, not purity. Different number, different meaning.

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u/whois_wanda90 points·1 year ago

denial reason codes matter, ask for the actual code

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u/pavel_nkemelu393 points·1 year ago

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

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u/adaeze_weissOP0 points·1 year ago

do not suggest misrepresenting a diagnosis, that is fraud

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u/pavel_nkemelu1 point·1 year ago

step therapy documentation is the weapon, use it

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u/liv_vukovic1 point·1 year ago

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

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u/wholesome_lurker1 point·1 year ago

redact member ids and group numbers from every screenshot

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u/ferran_batista1 point·1 year ago

step therapy documentation is the weapon, use it

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

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u/honest_syringe19265 points·1 year ago

external review is the appeal after insurance says no

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u/pavel_nkemelu266 points·1 year ago

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

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u/neha_erdogan0 points·1 year ago

external review is the appeal after insurance says no

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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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c/insurancefights rules
  1. Say which country and which plan type. "Insurance" means eleven different things.
  2. Redact member ids and group numbers from every screenshot.
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