PeptideChemSF said:

EndoResFellow said: ...my insurance denied cost and coverage coverage because...

Filing a mild objection. Mild because I might be wrong; an objection because nobody has addressed the case that does not fit. The affordability discussion here usually stops at individual tactics. At list price this class is out of reach for most of the people who would benefit, and no amount of appeal strategy changes that — it is a pricing problem wearing a paperwork costume.

I would rather be corrected than agreed with, if it comes to it.

EndoResFellow said:

The list price and the price I actually pay differ by a factor of six depending on which of four routes I use, and none of that is transparent from…

Insurance update relevant to cost and coverage: I just got my prior auth approved through Cigna after 4 attempts.

What finally worked: a letter from my endocrinologist documenting BMI history (>3 years), failed diet attempts, comorbidities (NAFLD + metabolic syndrome), and referencing the STEP trial data.

If your PA keeps getting denied, don't give up. Request a peer-to-peer review between your doctor and the insurance medical director. That's what finally broke through for me.

mike_nyc said:

The affordability discussion here usually stops at individual tactics.

Financial impact of cost and coverage weight loss beyond medication cost:

• Groceries: SAVED $293/month (eating less)
• Restaurants: SAVED $163/month (fewer meals out)
• Alcohol: SAVED $113/month (stopped drinking)
• Life insurance: Premium REDUCED by $43/month (lower BMI)
• Copays: SAVED $63/month (fewer BP/cholesterol meds)

Net impact after medication cost: approximately BREAKING EVEN. The medication pays for itself through reduced food spending and healthcare costs. This surprised me.

Following on from fiona_VT — and this may be the naive question:

Did your prescriber agree with that reading, and if not what was their objection?

OP back with an update, since a thread like this is useless without one.

Update: approved on the third attempt after a peer-to-peer. Nothing about my case changed; only who was doing the talking.