The ‘Prior Auth’ Playbook for Ulcerative Colitis: Cutting Through the Red Tape

The ‘Prior Auth’ Playbook for Ulcerative Colitis: Cutting Through the Red Tape

The ‘Prior Auth’ Playbook for Ulcerative Colitis: Cutting Through the Red Tape
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Imagine you and your gastroenterologist have discussed a new ulcerative colitis (UC) treatment plan that promises to reduce your symptoms and the stress that comes with them. Then, when you go to schedule the recommended test or pick up your new medication, you can’t — your insurance company says your provider has to first go through a number of steps to get prior authorization.

Unfortunately, that means you might be in limbo for a while, and there's a chance some or all of that treatment plan could be denied for coverage.

"Originally, prior authorization was set up by insurance companies to make sure that people weren't being prescribed medications that were inappropriate for their conditions. It was a way to protect patients," says Stephen Amann, MD, a gastroenterologist at Digestive Health Specialists in Tupelo, Mississippi. "But it has turned into an obstruction to care for many people, and often leads to treatment delays that can have serious ramifications for disease progression."

Prior authorization is a difficult process, but not insurmountable, he adds. If you have UC and you’re in the midst of a "prior auth" situation, here's what you need to know.

What Is Prior Authorization?

Prior authorization requires a doctor to get approval from your health insurance plan before they can provide certain services or prescribe medications.

While the need for prior authorization can affect you getting diagnostic and monitoring procedures, the issue tends to happen most often with high-cost UC medications like biologics and JAK inhibitors, says Laura Wingate, the chief education support and advocacy officer at the Crohn's & Colitis Foundation.

"For UC, these medications can be life-changing, helping patients achieve and maintain remission and prevent complications, but insurers often want detailed clinical justification before agreeing to pay for them," she explains, adding that this process can involve multiple forms, documentation of past treatments, and coordination between the gastroenterologist, the patient, and a specialty pharmacy.

Step Therapy and Fail First Policies

In some instances, insurers require "step therapy" or "fail first" approaches before approving these medications. This means that before the insurer will cover the treatment your provider originally recommended, you have to show that you’ve tried one or more other medications that didn’t help you, Wingate says.

"These policies are a significant factor for ulcerative colitis care," Wingate says. "For example, a plan may insist on older or less targeted medications before allowing access to biologics or targeted synthetic small molecules, even when guidelines support earlier use of advanced therapies for moderate to severe disease."

The Crohn’s & Colitis Foundation has advocated for policies that limit step therapy because the organization suggests it can undermine shared decision-making between patients and providers and delay use of therapies that control bowel inflammation quickly.

Impacts of Delayed Care

There can be significant impacts when treatment is delayed in this way. For example, a retrospective study of pediatric patients with inflammatory bowel disease (which includes UC) found that insurer-mandated prior authorization of biologics was associated with higher healthcare utilization, including hospitalization, surgery, and emergency room visits.

Delays caused by prior authorization or step therapy can also worsen anxiety, stress, and feelings of helplessness, which are already common among people living with UC, says Wingate.

"When inflammation goes untreated or undertreated, patients may experience more frequent flares, pain, bleeding, and fatigue, all of which can significantly impair quality of life and functioning at work, school, and in relationships," she explains. "Persistent uncontrolled inflammation can increase the risk of complications and may make it harder to achieve deep, durable remission later on."

What Patients Can Do

The bulk of up-front work for prior authorizations falls on your health provider's staff, but there are some steps you can take to streamline and potentially speed up the process.

"Patients can start by asking their gastroenterology team whether the practice has a biologic coordinator, nurse, or administrative staff member who regularly handles prior authorizations and can track approvals and denials," suggests Wingate.

No matter who may be assisting with the process, you should keep a detailed record of your medication history, including what you've tried, how it worked, and any side effects, because this documentation is often required to justify advanced therapies, she says.

Consider a Specialty Pharmacy

Another avenue for speeding up the approval process is connecting with an independent specialty pharmacy that's experienced with UC medications.

Biologics and many JAK inhibitors used for UC are typically dispensed through specialty pharmacies rather than neighborhood retail pharmacies because they require special handling, monitoring, and support services, according to Wingate.

"This can create barriers such as limited pharmacy choice dictated by insurance networks, shipping and delivery logistics, and potential delays in coordinating refills or infusion appointments," she says.

Establishing a customer relationship at one of these pharmacies can be beneficial because they may be able to assist with prior authorization paperwork, explains Dr. Amann.

"Not all specialty pharmacies offer to help with prior authorizations, but some will be able to provide the type of documentation needed to make the process go faster, so it's worth asking," he says. "These pharmacies may also be able to assist with appeals if a prior authorization leads to a denial by an insurer."

Appealing a Denial

If an insurance company denies a prior authorization request, that doesn't completely close the door on that medication or procedure option, because your doctor can file an appeal. You can also ask your insurer directly to reconsider the denial. If your health insurance is provided through an employer, your HR department may be able to help by contacting the insurer and adding to the appeal documentation.

The Crohn's & Colitis Foundation offers a variety of sample letters and templates you can download, and you can try using an AI program to generate ideas. Amann suggests working closely with your doctor's office to try to minimize delays in requests and appeals.

"Both the prior authorization process and an appeal can take an enormous amount of effort and it's common to be frustrated," he says. "But there are resources out there, and experts like biologic coordinators and specialty pharmacies who can offer insight. It's worth the time and energy to fight for what you need for your UC management."

The Takeaway

  • Prior authorization requires a healthcare provider to obtain approval from your health insurance plan before they can provide certain services or prescribe medications.
  • Research suggests that prior authorization can lead to delays in ulcerative colitis treatment, and may increase risk of complications and hospitalization.
  • You can work with your doctor's office and specialty pharmacy to try and speed up the authorization process to prevent delays in care.

Resources We Trust

EDITORIAL SOURCES
Everyday Health follows strict sourcing guidelines to ensure the accuracy of its content, outlined in our editorial policy. We use only trustworthy sources, including peer-reviewed studies, board-certified medical experts, patients with lived experience, and information from top institutions.
Resources
  1. Amann S et al. An Overview of the Challenging Process of Prior Authorization: Medical Necessity for a Better Way. Clinical Gastroenterology and Hepatology. December 2024.
  2. Your Guide to Navigating Prior Authorization. Crohn's & Colitis Foundation. October 24, 2024.
  3. What Is Prior Authorization? National Association of Insurance Commissioners. November 5, 2024.
  4. Constant BD et al. Delays Related to Prior Authorization in Inflammatory Bowel Disease. Pediatrics. March 1, 2022.
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Ira Daniel Breite, MD

Medical Reviewer

Ira Daniel Breite, MD, is a board-certified internist and gastroenterologist. He is an associate professor at the Icahn School of Medicine at Mount Sinai, where he also sees patients and helps run an ambulatory surgery center.

Dr. Breite divides his time between technical procedures, reading about new topics, and helping patients with some of their most intimate problems. He finds the deepest fulfillment in the long-term relationships he develops and is thrilled when a patient with irritable bowel syndrome or inflammatory bowel disease improves on the regimen he worked with them to create.

Breite went to Albert Einstein College of Medicine for medical school, followed by a residency at NYU and Bellevue Hospital and a gastroenterology fellowship at Memorial Sloan Kettering Cancer Center. Working in city hospitals helped him become resourceful and taught him how to interact with people from different backgrounds.

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Elizabeth Millard

Author

Elizabeth Millard is a Minnesota-based freelance health writer. Her work has appeared in national outlets and medical institutions including Time, Women‘s Health, Self, Runner‘s World, Prevention, and more. She is an ACE Certified Personal Trainer and a Yoga Alliance Registered Yoga Teacher, and is trained in obesity management.