Prescribed Zepbound but was Denied. Any Recourse?
As the title states I was recently prescribed zepbound by my primary car physician for weight loss due to weight gain from a medication I take, paired with a sedentary life style due to a career change. Im currently weighing in at 275lbs at 26 y/o, 125lbs heavier than I was 3 years ago. I just now came across this sub while looking through my options. I didnt get a reason for the denial, the pharmacy just called and said that insurance wouldn’t cover the medication and I didnt think to ask further because I didnt think there was anything more to do.
My insurance is Blue Cross Blue Shield that I have through that I have due to my employment at the Post Office. Im also an apprentice with the Operating Engineers union, and have insurance through them but I keep the PO ins as my main because its more stable.
I have found a slight workaround through Henry Meds where Im getting compounded tirzepatide injections, but its still $450 a month, and while I can afford it, its still a significant drain on my finances.
My question is, is there any way to negotiate with a health insurance agency, especially one as big as BCBS? Could my doctor “fudge the numbers” in such a way to make it seem more preventative? Any advice would be extremely welcome. Im brand new to dealing with my own health insurance as I just came off my parents a year ago and have never had any issues until this came up.
Some more context. If it would help my case, I was always a big kid but when I was 18 I weighed 250, but I cut my calories down to 1000 or less a day, and within a year I had lost 80 lbs, and manged to keep it off until I was 23 and started this new medication. Ive reverted to the 1000ish calorie a day & intermittent fasting diet with the help of a dietitian with almost no loss in weight. Dont know if any of this paragraph is relevant but just in case it is its here. Thanks in advance for the insight.