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Single comment threadYou are looking at one branch of genuine question about denial that I am slightly embarrassed to ask — 60 comments in the full submission. View in context.
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c/insurancefights·submitted 1 year ago by u/hassan_chowdhury

genuine question about denial that I am slightly embarrassed to ask

Appealbranch of 7 comments

The title is the whole question — genuine question about denial that I am slightly embarrassed to ask — but here is why I am asking. 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. A…

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7 comments, started 1 year ago
u/pavel_nkemelu177 points·1 year ago·edited

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/prior_auth_painappeals111 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/nikhil_asante57 points·1 year 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/nadia_trevino23 points·1 year ago

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

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u/oskar_kaufmann8 points·1 year ago

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

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u/hassan_chowdhuryOP-12 points·1 year ago

Has a peer-to-peer been offered or requested?

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u/line_petrov17 points·1 year ago

the second-level appeal is where things actually turn

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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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