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

step therapy is the most under-discussed thing on this board

Questionbranch of 7 comments

step therapy is the most under-discussed thing on this board. It is the sort of thing everyone half-believes and nobody writes down. External review was the thing that finally worked. I did not know it existed until a thread on this board. Documented eighteen months of what had been tried in a one-page table. That…

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7 comments, started 1 year ago
u/ferran_batista52 points·1 year ago

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

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u/hamza_weiss36 points·1 year ago

keep every date, every reference number, every name of a department

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u/janoshik_junkieindependent tester13 points·1 year ago

Appeal deadlines run from the date on the determination letter. They are strict, they are short, and a missed deadline usually forfeits that level entirely.

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u/elin_lindqvist13 points·1 year ago

deadlines run from the letter date, not from when you opened it

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u/hamza_weiss11 points·1 year ago

This. Step therapy is a paperwork requirement and it is beaten with documentation, not persuasion.

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u/elin_lindqvist3 points·1 year ago

prior authorisation criteria change every plan year

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u/muscle_cramp_moOP0 points·1 year ago

Employer plan or individual plan?

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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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