Insurance denial for medication
I’ve been stable on my long acting pain medication for years. My insurance company has always covered it. I got a letter in May stating that it would be non formulary starting in July .in the letter they suggested another medication. My drs office put in the prior authorization and it got denied because I didn’t meet the criteria of being on that medication continuously (I’ve been on my other med continuously so why would I be on this med) the other criteria was I needed to trial instant release for four weeks. That’s not possible going from extended release to instant release. It’s not safe. My drs office put in a prior authorization to continue my regular medication, it was denied twice. I never received a written denial for two of the denials. The drs office put in for an urgent appeal as being without the medication could be dangerous for my health. They denied the urgent appeal based on them saying it wouldn’t be dangerous to my health. This whole process has been extremely anxiety provoking and it will be six weeks once this internal appeal is complete. I also had to pay $1250 for my prescription while this is happening. I’m thinking of asking for a peer to peer review and an external independent review. Are these avenues more successful or am I wasting my time. This is not right. What are we paying our insurance companies for if they are working against their members. Any suggestions are appreciated. Thank you