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c/insurancefights·submitted 2 years ago by u/gustav_vermeulen

[Discussion] we are measuring appeal at the wrong time and calling it noise

Discussionbranch of 11 comments

we are measuring appeal at the wrong time and calling it noise — a position I have arrived at slowly and would like tested. Employer-sponsored plans may be regulated differently from individually purchased ones, which changes both the appeal route and which regulator hears a complaint. Asked for the policy bulletin…

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11 comments, started 2 years ago
u/rekha_vestergaard70 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/gustav_vermeulenOP31 points·2 years ago·edited

external review exists and almost nobody uses it

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u/hugo_pires17 points·2 years ago

ask for the denial reason in writing, always

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u/step_therapy_sMOD41 points·2 years ago

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

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u/slow_logbook_notes14 points·2 years ago

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

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

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[removed]30 points·2 years ago

[removed by moderator]

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u/plain_titration9 points·2 years ago

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

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u/cato_achebe33 points·2 years ago

ask for the clinical policy bulletin by number

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u/oskar_kaufmann15 points·2 years ago

Have you asked for the clinical policy bulletin by number?

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u/edit_for_clarity10 points·2 years ago

That advice is jurisdiction-specific and this board spans several. Say where you are.

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u/sofia_nascimento0 points·2 years ago

Is this a prior authorisation denial or a formulary exclusion?

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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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