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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 6 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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6 comments, started 1 year ago
u/tomas_lehtinen34 points·1 year ago

document what has been tried and for how long, that is the whole case

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u/muscle_cramp_moOP-4 points·1 year ago

document what has been tried and for how long, that is the whole case

Adding the underused one — external review. Independent, binding where it applies, and hardly anybody gets that far.

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u/ireland_drugs_pay1 point·1 year ago

Asked for the policy bulletin by number and wrote the appeal against its criteria line by line. Approved on the second level after a flat first-level denial.

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u/milos_vestergaard38 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/neha_rahimi29 points·1 year ago

Step therapy requires documented trial of preferred alternatives. It is not an argument to be won on merits; it is a record to be produced, and the record is what the appeal must contain.

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u/fabio_kuipers24 points·1 year ago

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

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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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