06/08/2026
Most insurance denials that get appealed are overturned. The catch? Barely 1 in 10 ever get appealed.
So if a pharmacy or plan has ever told you your child's medication is "denied," "not covered," or "needs prior authorization" — read this before you panic, switch meds, or pay out of pocket.
I'm Jen — a pediatric LPN with 25+ years spent getting kids' care approved. I built The Prior Auth Nurse so you don't have to learn this the hard way like the families I've watched do for two decades.
A denial is not a verdict. It's the start of a process the system is quietly betting you won't finish.
Here's what's usually really going on — and the first moves that work, no matter which medication it is:
1️⃣ Find out which kind of "no" it is. Formulary exclusion? Step therapy? Quantity limit? Prior auth needed? A non-medical switch? Your denial letter names it — and each one has a different counter. (Not sure what yours says? Our free Denial Decoder reads it back to you in plain English.)
2️⃣ Ask the prescriber's office for the right request. If your child was already stable on the medication, the phrase that matters is "continuation of therapy" — not a brand-new prior auth. That one distinction quietly wins a lot of cases.
3️⃣ Get the history in writing. A Letter of Medical Necessity that documents the diagnosis, what's already been tried, and why this medication — that's the document appeals live or die on.
4️⃣ Watch the clock. Every plan has an appeal deadline, and it's usually shorter than you'd think. Miss it and you start over from zero.
The part most parents miss: you have to rebut the specific reason printed on the letter. A generic "I disagree" goes straight in the trash — and that's where it gets case-by-case.
Start free 👉 the Denial Decoder, Appeal Letter Starter, and Deadline Tracker are all free at thepriorauthnurse.com (link in bio). Paste in your denial and we'll point you the right way.
👇 What word did your denial letter use — "step therapy"? "not medically necessary"? "non-formulary"? Drop it in the comments and I'll tell you what it actually means.
📌 Save this for the day you need it.
Plain-English insurance appeals, SSI applications, and Medicaid navigation for parents of children with chronic conditions, special needs, and disabilities. From Jen Morris, LPN.