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

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 1 of 3
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JenPlateau
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234
890
Nov 2024
Missouri
Apr 18, 2024 at 5:12 PM#1

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 the outside.

The bit I cannot resolve on my own is what actually works on a prior-authorisation denial, as opposed to the list of things that sound like they should work.

I have searched first, so if this is covered somewhere point me at it and I will read it.

29 7HPLC_Greg, LibrarianMeg, bri_stats and 26 others
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NurseKim_ATL
Senior Member
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7,234
Feb 2024
Atlanta, GA
Apr 18, 2024 at 5:18 PM#2
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…

My insurance denied my PA related to cost and coverage. Has anyone successfully appealed? I'm considering going compounded instead.

30 8raj_cambridge, ingrid_STO, pete_nash and 27 others
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carl_compliance
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1,123
Nov 2024
Raleigh, NC
Apr 18, 2024 at 5:24 PM#3
NurseKim_ATL said:
My insurance denied my PA related to cost and coverage.
NurseKim_ATL said:
...my insurance denied cost and coverage coverage because...

Insurance denial is the single biggest barrier to GLP-1 access. Let me share the appeal framework that worked for me and several community members:

  1. Document medical necessity (BMI, comorbidities, failed alternatives)
  2. Reference clinical practice guidelines (AGA, AACE, Endocrine Society)
  3. Cite cost-effectiveness data (preventing diabetes/surgery saves money long-term)
  4. Request peer-to-peer review between your doctor and the plan's medical director
  5. File external appeal with your state insurance department if internal appeal fails

Don't accept the first denial. The appeal process exists for a reason.

Last edited: Apr 18, 2024 at 8:24 PM
31 9ricardo_MIA, BrianDallas92, labquiet_amy and 28 others
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lucas_SP_BR
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456
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Jun 2024
São Paulo, BR
Apr 18, 2024 at 5:30 PM#4
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…

Same experience, arrived at from the opposite direction. I had assumed I was the exception until I read this.

Last edited: Apr 18, 2024 at 7:30 PM
32 10KarenAZ_mom, zoe_NC, Dr.ObesityLA and 29 others
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Dr.EM_Chicago
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May 2024
Chicago, IL
Apr 18, 2024 at 5:59 PM#5

From the other side of the consultation, briefly.

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

  • Groceries: SAVED $266/month (eating less)
  • Restaurants: SAVED $176/month (fewer meals out)
  • Alcohol: SAVED $126/month (stopped drinking)
  • Life insurance: Premium REDUCED by $36/month (lower BMI)
  • Copays: SAVED $66/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.

Last edited: Apr 18, 2024 at 9:59 PM
33 11lisa_labSD, adam_van, Dr.SurgeonPGH and 30 others
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