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

[Meta] the appeal rule is doing its job and people should stop complaining

Appeal Long Haul ×8

Right, the denial question again, but with numbers this time.

I have 5 data points over 16 weeks. The pattern is consistent enough that I do not think it is chance, and boring enough that nobody is going to screenshot it, which is usually a good sign.

The thing I would flag for anyone new: the effect I am describing showed up at week 77, not week 31. People give up long before the interesting part.

Interested in whether this matches other people's logs or whether I am an outlier.

871 up / 331 down72% upvoted30 commentsid g50h3117 May 2024

30 comments

21 in this archive, depth 5

best — the order this archive was captured in

u/ilias_cabrera0 points·2 years ago

Australia plan: step therapy required 18 medications first. Did them all, got approval. The order matters.

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u/whois_wanda1 point·2 years ago

appeal letter templates are in the wiki

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u/karim_restrepoOP1 point·2 years ago

the UK plan: step therapy required 17 medications first. Did them all, got approval. The order matters.

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u/amira_dumitru1 point·2 years ago

formulary exclusions are negotiable sometimes

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u/karim_restrepoOP1 point·2 years ago

Copay was appeal for the copay then another 7% of the total. Read the actual plan document.

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u/RetaAndRegret21 point·2 years ago·edited

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

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u/cato_achebe39 points·2 years ago·edited

This is correct. Appeal letters work.

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u/honest_syringe1910 points·2 years ago

say which country and which plan type

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u/osman_ferrari12 points·2 years ago

say which country and which plan type

Disagree on that part. 93.7% and 99.3% on the same vial is normal.

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u/saskia_rahimi8 points·2 years ago

Slight fix: the number was 99.0, not 98.9. Decimal point, but a fairly consequential one.

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u/sofia_nascimento2 points·2 years ago

What was the denial code?

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u/tidy_vialdrawer_watch12 points·2 years ago

copay is separate from coverage

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u/rekha_vestergaard26 points·2 years ago
this is why i still read c/glp1muscle
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u/karim_restrepoOP11 points·2 years ago

Poland plan: step therapy required 8 medications first. Did them all, got approval. The order matters.

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u/jarno_adeyemi-16 points·2 years ago

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

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u/nadia_trevino1 point·2 years ago·edited

say which country and which plan type

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u/elise_grimaldi1 point·2 years ago·edited

say which country and which plan type

Counter-anecdote: opposite result, same dose. Which mostly tells us the variance is huge.

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u/dose_diary_danalog keeper1 point·2 years ago

say which country and which plan type Counter-anecdote: opposite result, same dose.

Disagree on that part. 95.1% and 99.3% on the same vial is normal.

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u/marta_dziedzic1 point·2 years ago·edited

Not to be pedantic but prior authorization and external review are being used interchangeably and they are not interchangeable in real life.

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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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