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

does formulary actually matter or is it forum lore at this point

Discussion Long Haul ×2

does formulary 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.

Tell me where this is wrong. That is the useful part of posting it.

925 up / 354 down72% upvoted21 commentsid gp2tyy20 Dec 2023

21 comments

15 in this archive, depth 4

best — the order this archive was captured in

u/ahmed_abubakar0 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/maren_ibarra68 points·2 years ago

document what has been tried and for how long, that is the whole case

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u/sofia_nascimento21 points·2 years ago

ask for the denial reason in writing, always

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u/oskar_kaufmann70 points·2 years ago

external review exists and almost nobody uses it

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u/hassan_chowdhury-12 points·2 years ago

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

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u/plain_titration_202442 points·2 years ago

The process that has actually worked for people on this board, in order.

Get the denial in writing and find the criterion it names. Request the clinical policy bulletin by its number. Write the appeal against that document, criterion by criterion, attaching what has been tried and for how long. Note the deadline from the letter date and diarise it.

If the first level fails, go to the second. If the second fails, ask about external review, which is independent and, where it applies, binding. Keep every date, department and reference number as you go.

It is administrative rather than rhetorical, and the people who win are the ones who treat it that way.

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u/hplc_hobbyistruns their own column33 points·2 years ago

appeal in writing even when they say a call is enough

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u/marisol_moreau30 points·2 years ago

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

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u/canada_coverage24 points·2 years 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/ferran_dahlberg16 points·2 years ago

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

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u/hedda_aguirre13 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/appeal_letter_alMOD22 points·2 years ago

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

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u/whois_wanda7 points·2 years ago

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

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u/vito_beaulieu3 points·2 years ago

Yes.

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

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u/plain_titration_20242 points·2 years ago

Which country and which plan year are we talking about?

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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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