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

[Discussion] the denial advice in here is 3 years out of date

Discussionbranch of 6 comments

the denial advice in here is 3 years out of date, and I am aware this is a minority view on this board. 3 years — those are the numbers, and they are the ones I am willing to defend.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…

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6 comments, started 1 year ago
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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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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