Access & Coverage Resources for New Therapies
With the first FDA approvals of Duchenne therapies, the Duchenne community has entered in a new environment for access and reimbursement. With this brave new world at play, PPMD has been leading the effort to educate and guide the community through these unchartered waters.
Overview of the fundamentals of access
In this two-part webinar series, moderated by PPMD’s Annie Kennedy, we invited our consultant and expert, Michael Adelberg with FaegreBD Consulting, to a conversation on a number of topics:
- What are the major differences with Medicaid vs private insurance?
- What is the process for appealing a denial, what are the layers of appeal?
- What are Medical vs. Drug Benefits?
- What is the role of a PBM’s or Pharmacy Benefit Managers?
- Types of Insurance Coverage?
- What are formularies?
These webinars are non-product specific, but can provide you with a basic understanding about the path to access.
Part 1: Exploring drug approval and health insurance coverage overview
Part 2: Navigating health insurance to improve access
Roadmap for Navigating the Path to Access
We have all had frustrations getting healthcare paid for, whether it is getting access and coverage for appointments, procedures, equipment, and/or medications. Coverage is especially difficult when new medicines or procedures are recommended. It can be a complicated and often an overwhelming process, but what is important to remember is that this is a process and policy determinations are not always final.
To make this process easier, PPMD has assembled resources that will help families and medical providers at each stage of the healthcare access process. Included below is a road map aimed at guiding you through this complex process – complete with sample letters and links to relevant publications and other resources.
We are working closely with health insurance payers (public and private) to increase their understanding of Duchenne and how access to available and emerging interventions, therapies, and equipment can improve health outcomes for our community.
As our engagement continues and we learn more, we will update and produce additional tools and resources for utilization by our community. Please contact Ryan Fischer with any questions.
Understanding the Path to Access
The process for access to new medicines is not always linear. If your plan does cover the medicine, there are programs available to limit your out of pocket costs.
Below are resources outlined for each stage of the process, including if a denial occurs.
How do I start the process for access?
To begin the process for access, most drug companies have a start form that can be filled out by you or your physician.
Some insurers will require what’s called Prior Authorization. This may involve confirmation of genetic test results and other medical records to be submitted with the prescription from your doctor.
Your clinician will be a key advocate for this process. He/she should consider submitting a Letter of Medical Necessity (sample letter below), which provides background information about the patient, disease, and drug.
Stage 1 Resources:
For U.S. Residents:
If you live outside of the U.S.:
What happens if access is denied by my insurer?
It is at this stage a complication could occur.
If you receive a denial, there are steps you can take in order to appeal the decision. Your clinician will be a key advocate in this process. The denial letter should have specific information about the appeals process.
The clinician or doctor can request what is called a “peer to peer” where your clinician will interact directly with the insurer one-on-one to provide justification for access and coverage.
Things to Consider:
- Ask your clinician and the insurer about whether a “peer to peer” can occur and how to initiate.
- Write your own Patient Appeal Letter (sample below)
- Has your clinician submitted a Letter of Medical Necessity? (sample below)
Tips for Advocating for Access:
- Track all communications with the drug company, health insurer, and clinician/doctor. Save all letters and emails and write down who you speak with and when. Request letters sent by your physician.
- Consider contacting your state Consumer Assistance Program (CAP) or Department of Insurance during an appeal process. Visit localhelp.healthcare.gov.
- Get familiar with your health insurer’s policy. Read your policy and call a representative to better understand your coverage. If you have private insurance through your employer, contact Human Resources and have them explain the policy’s provisions.
- You have the right for an Appeal. Your insurer must outline what that appeals process entails and specifically why you were turned down.
- You CAN request an urgent or expedited appeal if your medical provider believes a delay in treatment could jeopardize your overall health.
Stage 2 Resources:
Innovative Access Efforts
|EXONDYS 51||With an accelerated approval for EXONDYS51, comes the requirement for the company to perform what is called a “confirmatory study” - this means while the product is approved for use, definitive clinical benefit will need to be established through the study. Given these requirements, some payers are denying coverage of EXONDYS51, stating that more data is needed prior to access. Since the approval, there has been an effort by clinicians to provide a rationale to payers for treatment across the spectrum of the disease. Below is one example of such efforts, Dr. McDonald has graciously shared the data and presentation that was compiled for their successful engagement with MediCal (California Medicaid) and recorded an explanation of the data and the context of the engagement, as well as details as to how he and his team have been engaging with private insurance companies and empowering families to work with insurers. Special thanks to Dr. John Day, Dr. Perry Shieh, and Dr. Chamindra Konersman, for their contributions to this effort.