How to appeal for medication

Kspolkadot

New Member
Back on topic....

You have to have your Doctor write a letter to your insurance company that states why he is prescribing the name brand over the generic.

My wife was successful on getting a couple of things covered for your daughter. Both took 3ish months to wind their way through the system.
I'd be interested to know how this worked. My daughter's medication was just denied yesterday. She has an oral aversion and they will only.cober the medication in the pill form. Our doctor filed a request, which was denied. Their response was the the insured party could file an appeal. Anything your wife said would be helpful! Thanks!
 

barnyard

KTM rider
You will have to file an appeal. Someone from your doctor's office might be able to help. You will have to document why and include a letter from your doctor explaining why.

Good luck.
 

Last One In

Well-Known Member
I appealed to TeamCare and was unsuccessful. My doctor wrote a letter on my behalf and that was unacceptable to them. I pay for it out-of-pocket. Mercifully, it isn't terribly expensive, but I think it was the principle of the thing. If UPS' insurance paid for it I thought TeamCare should as well. Good luck to you.
 

Indecisi0n

Well-Known Member
I appealed to TeamCare and was unsuccessful. My doctor wrote a letter on my behalf and that was unacceptable to them. I pay for it out-of-pocket. Mercifully, it isn't terribly expensive, but I think it was the principle of the thing. If UPS' insurance paid for it I thought TeamCare should as well. Good luck to you.
Wouldn't you be appealing to Atena directly ?
 

Ex-Grumpy Steward

New Member
Check the manufacturers website. They often have programs that allow you to get the medication at no or very low cost if your insurance won't cover it. I never had TeamCare, but in my local, appeals are handled by the Board of Trustees for the Health and Welfare Fund.I was told: "All appeals are denied because,if we approve one, we have to approve them all".
 

ManInBrown

Well-Known Member
If the doctor specifically writes on the script that you need name brand they will cover it.
Not exactly. They might cover it, but just because the Dr. says you need that specific med, it could still be denied. I’ve actually talked to my Dr about this. They can recommend to insurance that you need that specific med, there’s no guarantee insurance will go along with it. They don’t have to. I currently take a med that there is no generic option for. Years ago I used to take another medication that was much cheaper, that one stopped working and my Dr put me on the new one. I’m waiting for the hammer to drop and insurance to say they’re not covering it anymore. It’s $1100.00 for 90 pills. The generic I used to take was $60 for 90 pills. These insurance companies are so shady. They actually tried to go behind my back and contact another one of my doctors, that has nothing to do with this med, to see if I can go back to the cheaper medication. Insurance companies are the biggest pieces of sheet. No problem taking anyone’s money.
 

Indecisi0n

Well-Known Member
Not exactly. They might cover it, but just because the Dr. says you need that specific med, it could still be denied. I’ve actually talked to my Dr about this. They can recommend to insurance that you need that specific med, there’s no guarantee insurance will go along with it. They don’t have to. I currently take a med that there is no generic option for. Years ago I used to take another medication that was much cheaper, that one stopped working and my Dr put me on the new one. I’m waiting for the hammer to drop and insurance to say they’re not covering it anymore. It’s $1100.00 for 90 pills. The generic I used to take was $60 for 90 pills. These insurance companies are so shady. They actually tried to go behind my back and contact another one of my doctors, that has nothing to do with this med, to see if I can go back to the cheaper medication. Insurance companies are the biggest pieces of sheet. No problem taking anyone’s money.
I was told differently. I spoke to a rep at Atena and was told "The doctor needs to write the script for the name brand and must specify that only the brand name is to be used". After that the insurance company will most likely require a letter from the doctor stating why he is writing it for the brand name and no generic. After that appeal process the drug will be approved.

The insurance company is not medically in a position to tell you what you are to take or not take. So your doctor has the ultimate say in this matter but you have to jump through a lot of hoops. I can see the insurance companies position as for me a drug that was going to cost them $1,000.00 a script as a brand name was going to cost almost nothing as a generic.
 

ManInBrown

Well-Known Member
I was told differently. I spoke to a rep at Atena and was told "The doctor needs to write the script for the name brand and must specify that only the brand name is to be used". After that the insurance company will most likely require a letter from the doctor stating why he is writing it for the brand name and no generic. After that appeal process the drug will be approved.
Interesting. I haven’t gotten to that point, so maybe my Dr. was just telling me that, just to warn me about what could happen. I think what also factors in, whether a similar medication is close enough. The expensive one I take is exactly like the cheap one, except is delayed release. Throughout the day, small amounts are released. Also a stomach med like the OP.
 

Indecisi0n

Well-Known Member
Interesting. I haven’t gotten to that point, so maybe my Dr. was just telling me that, just to warn me about what could happen. I think what also factors in, whether a similar medication is close enough. The expensive one I take is exactly like the cheap one, except is delayed release. Throughout the day, small amounts are released. Also a stomach med like the OP.
A lot of the times the generic is pretty much identical to the brand name with maybe a changed molecule. So ideally the generic should work just as good as the brand name. However if that’s not the case that’s when you would have to appeal for the brand name.
 

oldngray

nowhere special
A lot of the times the generic is pretty much identical to the brand name with maybe a changed molecule. So ideally the generic should work just as good as the brand name. However if that’s not the case that’s when you would have to appeal for the brand name.
The active ingredients of a generic are the same but the exact formulation can vary. Sometimes you can notice a difference. And different people will react differently.
 

oldngray

nowhere special
It did piss me off a couple of times when the insurance sent messages to my doctor to try to switch me to a similar but different medicine. Neither were generics and cost was about the same but they made more money if I switched medications.
 

Indecisi0n

Well-Known Member
It did piss me off a couple of times when the insurance sent messages to my doctor to try to switch me to a similar but different medicine. Neither were generics and cost was about the same but they made more money if I switched medications.
Yea I remember getting a letter telling me they were going to change my drug and that I needed to contact my doctor. I threw the letter in the trash and nothing ever came of it.
I understand healthcare is a business but they take it too far.
 

oldngray

nowhere special
Yea I remember getting a letter telling me they were going to change my drug and that I needed to contact my doctor. I threw the letter in the trash and nothing ever came of it.
I understand healthcare is a business but they take it too far.
My prescription card was through a company owned by Merck Medco so they tried to push their own drugs.
 

ManInBrown

Well-Known Member
It did piss me off a couple of times when the insurance sent messages to my doctor to try to switch me to a similar but different medicine. Neither were generics and cost was about the same but they made more money if I switched medications.
Yeah it’s really shady. Like I said they went around me, contacted my PCP to try to get me off the expensive med. My PCP isnt even the one that put me on the med. Then when I called them out on it, they tried to tell me, that my Dr. was the one that contacted them, and told them that I should be put on the cheaper medication. Like out of the friend’n blue, my Dr is going to call them, and tell them to put me on something cheaper. My PCP originally agreed to it. I got an email stating that my medication had changed. It was all straightened out, but I went off on my PCP. Told him don’t ever get involved in that medication ever again. Take that medication out of your system. Because any Dr you see knows what meds you’re on. It’s like a central system that’s all archived.
 
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