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

[Discussion] the denial advice in here is 3 years out of date

Discussion

the denial advice in here is 3 years out of date, and I am aware this is a minority view on this board.

3 years — those are the numbers, and they are the ones I am willing to defend.

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

Peer-to-peer took fifteen minutes and resolved something a written appeal had been sitting on for a month.

I will update this if the picture changes rather than quietly leaving it up.

175 up / 8 down96% upvoted26 commentsid bnxfaa3 Nov 2024

26 comments

18 in this archive, depth 3

best — the order this archive was captured in

u/appeal_letter_alMOD44 points·1 year ago

Staff name removed. Departments and criteria can be named here; individuals cannot.

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u/nnt_nate19 points·1 year ago

employer plans and individual plans are different fights

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u/kian_ferreiraOP-32 points·1 year ago

employer plans and individual plans are different fights

nnt_nate is right that this is documentation rather than persuasion. It took me a year to accept that.

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u/coring_the_stopper31 points·1 year ago

A peer-to-peer conversation puts the prescribing clinician in front of a reviewing clinician. It bypasses the correspondence cycle entirely and is often the fastest available route.

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[deleted]12 points·1 year ago

[deleted]

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u/rekha_vestergaard19 points·1 year ago

Kept a log with every date, name of department and reference number. When they claimed no record of a call, I had the reference.

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u/cardio_endpoint_c8 points·1 year ago

Kept a log with every date, name of department and reference number.

Disagreeing with this line: the deadline runs from the letter date and treating it otherwise is expensive.

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u/kian_ferreiraOP6 points·1 year ago

External review was the thing that finally worked. I did not know it existed until a thread on this board.

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u/honest_syringe192 points·1 year ago

external review exists and almost nobody uses it

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u/plain_titration4 points·1 year ago

prior authorisation criteria change every plan year

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u/saskia_lokken12 points·1 year ago

ask for the denial reason in writing, always

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u/coring_the_stopper4 points·1 year ago

a template letter that quotes their own criteria back is the strongest one

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u/blunt_coldbox_notes3 points·1 year ago

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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u/tuva_kirchner3 points·1 year ago

Disagree with the tone strategy. Anger has never moved a determination; matching the criterion has.

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u/adaeze_cabrera7 points·1 year ago·edited

ask for the denial reason in writing, always

Agreed — and request the bulletin by number. They have to give it to you.

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u/saskia_lokken4 points·1 year ago

Yes. Written, always, even when they tell you a phone call is sufficient.

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u/cardio_endpoint_c9 points·1 year ago

Yes — quoting their own policy bulletin back at them is far more effective than arguing in general terms.

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u/ismael_nwosu3 points·1 year ago

Cosigning on external review. It is a real mechanism, it is underused, and the deadlines are strict.

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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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