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c/insurancefights·posted 2 years ago by u/niels_salinas

someone explain prior authorization to me like I have not read a paper in years

Discussion Receipts ×3 Well Actually ×1

someone explain prior authorization to me like I have not read a paper in years. I would rather ask a basic question now than get this wrong quietly for two months.

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.

Spent six weeks arguing in general terms and got nowhere. Two paragraphs quoting their own criteria turned it around in eleven days.

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

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

1,828 up / 539 down77% upvoted54 commentsid fv0ve23 Jun 2024

54 comments

29 in this archive, depth 4

best — the order this archive was captured in

u/kian_balogun111 points·2 years 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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[removed]43 points·2 years ago

[removed by moderator]

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u/arne_amankwah96 points·2 years ago

A denial letter is required to state a reason and to reference the criterion applied. That reference is the handle: request the clinical policy document by its identifier and answer it point by point.

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u/maren_ibarra43 points·2 years ago

the formulary is published, read it before you appeal

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u/step_therapy_sMOD46 points·2 years ago

Added a jurisdiction tag — the answers differ completely between countries and plan types.

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u/nadia_trevino65 points·2 years ago·edited

Internal appeals are decided by the plan. External review is decided by an independent body and, where it applies, its determination is binding. They are separate mechanisms and the second is chronically underused.

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u/tidy_vialdrawer_watch-12 points·2 years ago

Employer-sponsored plans may be regulated differently from individually purchased ones, which changes both the appeal route and which regulator hears a complaint.

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u/RetaAndRegret21 point·2 years ago

ask for the clinical policy bulletin by number

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u/vito_beaulieu1 point·2 years ago

Small fix — external review is independent of the plan. The second-level internal appeal is not.

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u/liv_vukovic1 point·2 years ago·edited

Small fix — external review is independent of the plan.

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

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u/controversial_only34 points·2 years ago

Push back: your plan is an employer plan, which changes both the appeal path and who the regulator is.

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u/line_petrov51 points·2 years ago

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

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u/arne_amankwah19 points·2 years ago

I would not skip the peer-to-peer. It is often the fastest route and it costs a phone call.

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u/elin_lindqvist28 points·2 years ago

Which country and which plan year are we talking about?

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u/ahmed_abubakar22 points·2 years ago

Not convinced. That is a formulary exclusion rather than a prior authorisation denial, and the route to challenge it is different.

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u/ferran_batista27 points·2 years ago

Is this a prior authorisation denial or a formulary exclusion?

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u/dose_diary_danalog keeper32 points·2 years ago

Why step therapy denials feel unfair and are nonetheless beatable.

The requirement is that documented trials of preferred alternatives exist. It is a record-keeping standard, not a clinical judgement about you, which is why arguing the clinical merits rarely moves it and producing dates and durations often does.

What to assemble: what was tried, at what dose, for how long, and what the documented outcome was. A one-page table with dates beats three pages of prose every time. Where a trial is contraindicated rather than simply unsuccessful, that needs to be stated explicitly by the prescriber in those terms.

None of this is legal or medical advice — it is what the threads here have found works.

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u/emeka_delgado37 points·2 years ago

the diagnosis code on the claim is doing more work than anything you write

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u/niels_salinasOP11 points·2 years ago

New plan year, entirely new criteria, and the denial that had been immovable in the autumn simply did not apply in January.

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u/kasper_cabrera15 points·2 years ago·edited

Is this a prior authorisation denial or a formulary exclusion?

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

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u/vikram_mbeki23 points·2 years 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/ignacio_vanhecke34 points·2 years ago

prior authorisation criteria change every plan year

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u/prior_auth_painappeals10 points·2 years ago

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

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u/elin_varga16 points·2 years 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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u/line_bergstrom10 points·2 years ago

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

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u/greta_chukwu7 points·2 years ago

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

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u/appeal_letter_al12 points·2 years 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/marta_marchand7 points·2 years ago

Step therapy requires documented trial of preferred alternatives.

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

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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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