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Evidence-based GLP-1 & peptide discussion since 2023
ForumsInternationalGerman private insurance (PKV) vs statutory (GKV) — my results so far Page 2

German private insurance (PKV) vs statutory (GKV) — my results so far

JenPlateau Thu, Apr 18, 2024 at 5:12 PM 14 replies 2,230 viewsPage 2 of 3
Dr.ObesityLA
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Apr 18, 2024 at 6:28 PM#6
NurseKim_ATL said:
My insurance denied my PA related to cost and coverage.

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.

34 12zoe_NC, Dr.ObesityLA, NurseKim_ATL and 31 others
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dan_philly
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Jul 2024
Philadelphia, PA
Apr 18, 2024 at 6:57 PM#7
JenPlateau 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…
JenPlateau said:
...compounded vs brand cost and coverage...

This debate comes up weekly and I think both sides have valid points:

Pro-brand: FDA-approved, manufacturing standards guaranteed, clinical trial data directly applicable

Pro-compounded: 10x cost savings, same active molecule, independent testing available, accessibility

My position: if you can afford brand or have insurance coverage, that's the gold standard. If not, properly tested compounded from a 503B pharmacy is a reasonable alternative. Neither side should shame the other.

35 13AmyNC_wife, SkepticalSean, Dr.CardioMD and 32 others
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TrialNerd_Beth
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Jan 2024
Bethesda, MD
Apr 18, 2024 at 7:26 PM#8
Dr.ObesityLA said:
The affordability discussion here usually stops at individual tactics.

Insurance update relevant to cost and coverage: I just got my prior auth approved through Blue Cross after 3 attempts.

What finally worked: a letter from my endocrinologist documenting BMI history (>3 years), failed diet attempts, comorbidities (sleep apnea + prediabetes), and referencing the SELECT 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.

36 14TomTeleRx, DoseLogDan, SleepFixSam and 33 others
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ZaraB_AL
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Jan 2025
Alabama
Apr 18, 2024 at 7:55 PM#9

One thing that is still open after carl_compliance’s answer:

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

Last edited: Apr 18, 2024 at 8:55 PM
37 15TrialTracker_MD, JennaRN, LabKate and 34 others
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JenPlateau
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Missouri
Apr 18, 2024 at 10:12 PM#10

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.

15 15sarah_nash92, FitDadDave, RunnerRach and 12 others
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