[Discussion] denial is doing more work than we give it credit for
Something I keep coming back to: denial is doing more work than we give it credit for. Documented eighteen months of what had been tried in a one-page table. That table was the appeal. External review, which is the most underused mechanism discussed on this board. Internal appeals are decided by the plan. External…
This. Step therapy is a paperwork requirement and it is beaten with documentation, not persuasion.
What has been documented as tried, and for how long?
Right, and keeping every date and reference number turns a frustrating process into an auditable one.
Employer-sponsored plans may be regulated differently from individually purchased ones, which changes both the appeal route and which regulator hears a complaint.
Agreed. The denial letter tells you which criterion failed, and answering that specific criterion is the entire job.