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c/insurancefights·posted 1 year ago by u/hugo_pires

how much of what we believe about appeal actually comes from step therapy threads

Discussion Long Haul ×4 Sourced ×3

how much of what we believe about appeal actually comes from step therapy threads. Searched first, found three threads that contradict each other, hence the post.

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.

Employer-sponsored plans may be regulated differently from individually purchased ones, which changes both the appeal route and which regulator hears a complaint.

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.

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

2,817 up / 540 down84% upvoted59 commentsid 9zzt4g4 Dec 2024

59 comments

22 in this archive, depth 6

best — the order this archive was captured in

u/cardio_endpoint_c511 points·1 year ago

Appeal deadlines run from the date on the determination letter. They are strict, they are short, and a missed deadline usually forfeits that level entirely.

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u/camila_vasquez738 points·1 year ago·edited

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/ilias_cabrera1.1k points·1 year 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/step_therapy_sMOD258 points·1 year ago

Member and policy numbers redacted from the screenshot above. Everything else left as posted.

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u/liv_kuipers230 points·1 year 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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u/curious_panel_only129 points·1 year 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/coring_the_stopper54 points·1 year 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/hugo_piresOP-5 points·1 year ago

New plan year, entirely new criteria, and the denial that had been immovable in the autumn simply did not apply in January.

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

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u/neha_erdogan-6 points·1 year ago

employer plans and individual plans are different fights

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[removed]1 point·1 year ago

[removed by moderator]

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u/whois_wanda37 points·1 year ago·edited

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

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u/adaeze_cabrera80 points·1 year 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/hplc_hobbyistruns their own column101 points·1 year ago

prior authorisation criteria change every plan year

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u/plain_titration_2024147 points·1 year 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/ignacio_vanhecke86 points·1 year ago·edited

Internal appeals are decided by the plan.

Disagreeing with this line: the deadline runs from the letter date and treating it otherwise is expensive.

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u/tuva_kirchner48 points·1 year ago

ask for the denial reason in writing, always

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u/vito_beaulieu31 points·1 year ago

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

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u/arne_amankwah25 points·1 year ago

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

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u/RetaAndRegret240 points·1 year ago

Have you asked for the clinical policy bulletin by number?

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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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