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c/insurancefights·submitted 5 months ago by u/idris_iyer

help me understand formulary, I have read the wiki twice

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Question in the title, detail here: help me understand formulary, I have read the wiki twice. 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. Kept a log with every date, name of…

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7 comments, started 5 months ago
u/plain_titration_202425 points·5 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/ferritin_low9 points·5 months 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_sorensen6 points·5 months ago

step therapy is a documentation problem, not an argument

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u/karim_restrepo4 points·5 months ago

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

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u/maren_sorensen0 points·5 months ago

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

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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