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c/insurancefights·posted 5 months ago by u/tuva_kirchner

why does nobody talk about prior authorization

Discussion Clean Column ×1 Slow Clap ×3

why does nobody talk about prior authorization. Searched first, found three threads that contradict each other, hence the post.

External review was the thing that finally worked. I did not know it existed until a thread on this board.

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.

Please do not ask me what dose you should be on. I genuinely do not know and neither does anyone else here.

1,257 up / 290 down81% upvoted60 commentsid 1f2pls11 Feb 2026

60 comments

29 in this archive, depth 5

best — the order this archive was captured in

u/appeal_letter_alMOD202 points·5 months ago

Staff name removed. Departments and criteria can be named here; individuals cannot.

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u/sanne_novak284 points·5 months ago

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

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u/ilias_cabrera0 points·5 months ago

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

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u/vikram_mbeki1 point·5 months ago

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

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u/tuva_aalto91 points·5 months ago

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.

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u/tuva_kirchnerOP47 points·5 months ago·edited

employer plans and individual plans are different fights

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u/marisol_moreau53 points·5 months ago

employer plans and individual plans are different fights

tuva_kirchner is right that this is documentation rather than persuasion. It took me a year to accept that.

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u/jarno_adeyemi33 points·5 months ago

A peer-to-peer conversation puts the prescribing clinician in front of a reviewing clinician. It bypasses the correspondence cycle entirely and is often the fastest available route.

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u/tuva_kirchnerOP28 points·5 months ago

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.

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u/sofia_nascimento79 points·5 months ago·edited

Careful — the deadline runs from the date on the letter. Waiting for a call back can cost you the appeal entirely.

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u/tidy_vialdrawer_watch46 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/tuva_kirchnerOP-15 points·5 months ago

What is the appeal deadline on the letter?

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u/muscle_cramp_mo19 points·5 months ago

Agreed on the plan-year point. Criteria that applied last year may simply not apply now.

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u/arne_amankwah9 points·5 months ago

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

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u/elise_grimaldi10 points·5 months ago

This. Step therapy is a paperwork requirement and it is beaten with documentation, not persuasion.

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u/maren_ibarra7 points·5 months ago

Yes. Written, always, even when they tell you a phone call is sufficient.

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u/amara_haddad2 points·5 months ago

ask for the denial reason in writing, always

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u/hedda_aguirre1 point·5 months ago

Have you asked for the clinical policy bulletin by number?

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u/neha_rahimi2 points·5 months ago

the denial letter names the criterion, start there

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u/maren_ibarra38 points·5 months ago

What exactly does the denial letter give as the reason?

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u/ismael_nwosu29 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/ahmed_abubakar0 points·5 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/curious_panel_only1 point·5 months ago·edited

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

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u/osman_ferrari1 point·5 months ago

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

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u/liv_kuipers18 points·5 months ago

Spent six weeks arguing in general terms and got nowhere. Two paragraphs quoting their own criteria turned it around in eleven days.

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u/elise_grimaldi14 points·5 months ago·edited

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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u/ines_krastev7 points·5 months ago·edited

Not convinced.

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

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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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