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

tried denial for 4 weeks. here is what happened.

Question Slow Clap ×3

I have had 21 orders now and I keep a table, so here is the honest summary rather than a vibe.

Material has been consistent. Communication has not. Shipping has varied by about 4 days on nominally the same lane, which matters more in summer than in February.

The independent number came back 96.8% against a claimed 97.2%, which I read as agreement rather than a discrepancy — inter-lab variance on this assay is a point or two either way and treating one lab as ground truth is how people end up in pointless arguments with vendors.

Batch number is in the comments. Ask if you want the method.

1,295 up / 422 down75% upvoted51 commentsid bnxfaa2 Nov 2024

51 comments

28 in this archive, depth 5

best — the order this archive was captured in

u/appeal_letter_alMOD216 points·1 year ago

Flair changed to match the content. Read the sidebar before posting next time and we are square.

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u/nnt_nate92 points·1 year ago·edited

External review overturned the denial. Took 24 weeks but the process exists.

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u/maren_ibarraOP-32 points·1 year ago

Copay was copay for the copay then another 12% of the total. Read the actual plan document.

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u/oskar_kaufmann56 points·1 year ago

prior auth criteria are state-specific, prior authorization differs

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u/coring_the_stopper12 points·1 year ago

step therapy documentation is the weapon, use it

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u/neha_rahimi8 points·1 year ago

prior auth criteria are state-specific, appeal differs

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u/liv_vukovic7 points·1 year ago

step therapy documentation is the weapon, use it

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

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u/adaeze_cabrera5 points·1 year ago

external review is the appeal after insurance says no

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u/coring_the_stopper154 points·1 year 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/rekha_vestergaard90 points·1 year ago

Which plan type? denial is different.

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u/cardio_endpoint_c26 points·1 year ago

external review is the appeal after insurance says no

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u/saskia_lokken56 points·1 year ago

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

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u/coring_the_stopper28 points·1 year ago

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

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u/cardio_endpoint_c46 points·1 year ago

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

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u/bence_zielinski24 points·1 year ago·edited

Which plan type? step therapy is different.

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u/purity_pedantanalytical15 points·1 year ago

step therapy documentation is the weapon, use it

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u/ireland_drugs_pay20 points·1 year ago

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

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u/janoshik_junkieindependent tester27 points·1 year ago

resubmission after denial requires new documentation

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u/maren_ibarraOP14 points·1 year ago

resubmission after denial requires new documentation

Yes, exactly this, and it is the bit that took me 40 weeks to accept.

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u/maren_ibarraOP9 points·1 year ago

Sweden plan: step therapy required 14 medications first. Did them all, got approval. The order matters.

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u/bence_zielinski8 points·1 year ago

redact member ids and group numbers from every screenshot

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u/saskia_lokken20 points·1 year ago

Which state? Coverage varies.

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u/bence_zielinski5 points·1 year ago

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

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u/karim_restrepo3 points·1 year ago

step therapy documentation is the weapon, use it

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u/tomas_lehtinen13 points·1 year ago

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

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u/ilias_cabrera10 points·1 year ago·edited

appeal letter templates are in the wiki

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u/cato_achebe6 points·1 year ago

the carve-out clause varies by employer

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u/curious_panel_only14 points·1 year ago
^ this
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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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