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c/insurancefights·posted 2 years ago by u/janoshik_junkie

does external review actually matter or is it forum lore at this point

Discussion Receipts ×5 Long Haul ×3

does external review actually matter or is it forum lore at this point — that is what I am asking, and I have already read the wiki twice.

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

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

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

Research-use-only material is not approved for human use and nothing here should be read as a recommendation to use it.

1,894 up / 373 down84% upvoted67 commentsid cj5n2e23 Mar 2024

67 comments

28 in this archive, depth 5

best — the order this archive was captured in

u/ahmed_abubakar174 points·2 years 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/curious_panel_only109 points·2 years ago

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

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u/prior_auth_painappeals140 points·2 years ago

A peer-to-peer conversation puts the prescribing clinician in front of a reviewing clinician.

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

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u/maren_ibarra159 points·2 years ago

Disagree with the tone strategy. Anger has never moved a determination; matching the criterion has.

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u/tomas_lehtinen133 points·2 years 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/oskar_kaufmann105 points·2 years 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/bence_zielinski57 points·2 years 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/cardio_endpoint_c154 points·2 years ago

That criterion is from the previous plan year. The current bulletin has different wording.

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u/plain_titration_202465 points·2 years ago·edited

Push back: your plan is an employer plan, which changes both the appeal path and who the regulator is.

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u/hplc_hobbyistruns their own column44 points·2 years ago

Cosigning on external review. It is a real mechanism, it is underused, and the deadlines are strict.

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u/greta_chukwu67 points·2 years ago

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

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u/marisol_moreau54 points·2 years ago

a peer-to-peer call is often faster than a written appeal

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u/marta_vanhecke32 points·2 years 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/vikram_mbeki26 points·2 years ago

I would not skip the peer-to-peer.

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

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u/ferran_batista0 points·2 years ago

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

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u/hamza_weiss1 point·2 years ago

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

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u/blunt_coldbox_notes1 point·2 years ago

the denial letter names the criterion, start there

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u/janoshik_junkieOPindependent tester-6 points·2 years ago

Yes.

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

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[removed]1 point·2 years ago

[removed by moderator]

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u/kian_balogun1 point·2 years ago

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

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u/RetaAndRegret21 point·2 years ago·edited

Agreed. The denial letter tells you which criterion failed, and answering that specific criterion is the entire job.

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u/kasper_cabrera18 points·2 years ago

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

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u/nnt_nate6 points·2 years ago

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

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u/ferran_batista4 points·2 years ago

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

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u/ahmed_abubakar1 point·2 years ago

prior authorisation criteria change every plan year

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u/maren_ibarra3 points·2 years ago

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/nnt_nate1 point·2 years ago

ask 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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