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c/insurancefights·posted 11 months ago by u/whois_wanda

three years of appeal threads, summarised so you do not have to read them

Question Clean Column ×2 Well Actually ×1 Slow Clap ×1

three years of appeal threads, summarised so you do not have to read them. I have gone back and forth on this for months.

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

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.

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.

Research-use-only material is not approved for human use and nothing here should be read as a recommendation to use it.

2,825 up / 132 down96% upvoted33 commentsid 1eik3e11 Aug 2025

33 comments

30 in this archive, depth 5

best — the order this archive was captured in

u/greta_chukwu322 points·11 months ago

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/whois_wandaOP144 points·11 months 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/arne_amankwah113 points·11 months ago

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

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u/elin_lindqvist38 points·11 months ago·edited

Yes — quoting their own policy bulletin back at them is far more effective than arguing in general terms.

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u/dose_diary_danalog keeper43 points·11 months ago

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

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u/kasper_cabrera32 points·11 months ago

Correction: that is a formulary exclusion, not a prior authorisation denial. Different form, different route, different deadline.

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u/whois_wandaOP245 points·11 months ago

the second-level appeal is where things actually turn

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u/elin_lindqvist153 points·11 months ago

Has a peer-to-peer been offered or requested?

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u/step_therapy_s41 points·11 months ago

Same view. The second-level appeal is where mine turned, after a first-level denial that looked final.

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u/honest_syringe1919 points·11 months ago

Same view.

This is the whole method. Answer the criterion they named, not the decision in general.

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u/whois_wandaOP-28 points·11 months ago

What exactly does the denial letter give as the reason?

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u/amara_haddad243 points·11 months 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/jarno_adeyemi211 points·11 months ago·edited

What has been documented as tried, and for how long?

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u/ines_krastev68 points·11 months ago

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

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u/ferran_batista32 points·11 months ago

external review exists and almost nobody uses it

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u/muscle_cramp_mo167 points·11 months ago

prior authorisation criteria change every plan year

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u/line_bergstrom144 points·11 months ago

appeal in writing even when they say a call is enough

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u/nadia_trevino116 points·11 months ago

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

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u/kian_balogun77 points·11 months 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/hugo_pires56 points·11 months ago

Small fix — external review is independent of the plan.

Agreed — and request the bulletin by number. They have to give it to you.

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[deleted]46 points·11 months ago

[deleted]

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u/wholesome_lurker148 points·11 months ago

the formulary is published, read it before you appeal

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u/hugo_pires114 points·11 months ago

Correcting myself upthread: the deadline was 3 days, not the figure I gave.

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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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