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c/insurancefights·posted 6 months ago by u/elise_grimaldi

[Discussion] external review is doing more work than we give it credit for

Discussion Clean Column ×5 Slow Clap ×1

external review is doing more work than we give it credit for, and I am aware this is a minority view on this board.

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

Missed a deadline because I counted from when I opened the envelope. That mistake cost me an entire cycle.

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

That is everything I have. The rest is opinion and I have tried to keep it out.

1,337 up / 303 down82% upvoted40 commentsid 1eiqee25 Jan 2026

40 comments

13 in this archive, depth 5

best — the order this archive was captured in

u/rekha_vestergaard145 points·6 months 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/cardio_endpoint_c79 points·6 months ago

The process that has actually worked for people on this board, in order.

Get the denial in writing and find the criterion it names. Request the clinical policy bulletin by its number. Write the appeal against that document, criterion by criterion, attaching what has been tried and for how long. Note the deadline from the letter date and diarise it.

If the first level fails, go to the second. If the second fails, ask about external review, which is independent and, where it applies, binding. Keep every date, department and reference number as you go.

It is administrative rather than rhetorical, and the people who win are the ones who treat it that way.

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u/sofia_nascimento18 points·6 months ago

Is this a prior authorisation denial or a formulary exclusion?

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u/janoshik_junkieindependent tester14 points·6 months ago

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

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u/jarno_adeyemi89 points·6 months ago

external review exists and almost nobody uses it

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u/hamza_weiss49 points·6 months ago

external review exists and almost nobody uses it

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

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u/canada_coverage39 points·6 months ago

a template letter that quotes their own criteria back is the strongest one

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u/ines_krastev30 points·6 months ago

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

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u/elise_grimaldiOP-35 points·6 months ago·edited

What exactly does the denial letter give as the reason?

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u/camila_vasquez25 points·6 months ago

Documented eighteen months of what had been tried in a one-page table. That table was the appeal.

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[removed]28 points·6 months ago

[removed by moderator]

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u/ilias_cabrera67 points·6 months 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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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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