Is Caremark Appeals Process Worth the Aggravation?
Has anyone ever dealt with the Caremark appeals process? My insurance denied Wegovy (a GLP-1 weight loss med) because it’s not a covered med on the formulary. They suggested that the doctor consider one of the four GLP-1 meds on the formulary, so doc called in a new script for Ozempic. Now this one was denied because I don’t have an official Type 2 Diabetes diagnosis. I can’t find anywhere in my policy that there is a pre-requisite for GLP-1 meds that you have to have T2D. Is it worth appealing the decision? Or should I give up with Caremark and consider other options?
For context, I lost 60 lbs. on Wegovy since June going through a private clinic and paying out of pocket. My PCP felt it would be a good decision to stay on the medication for awhile for maintenance so that I don’t gain the weight back. It’s becoming cost prohibitive to continue paying $500/month out of pocket, especially since I’m no longer actively losing. Prior to losing the weight, I was pre-diabetic and had high blood pressure. I also have a diagnosis of binge eating disorder and have tried every type of psychotropic weight loss medication without this type of success.