Lumani Unfiltered

Lumani Unfiltered

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No family should have to choose between groceries and critical medication. When insurers say not covered, it's not just about the money, though $700 can wreck a monthly budget and ultimately flip a family upside down. As a nurse case manager, I've seen how these decisions get made. Sometimes it's a cold checkbox process. Preferred brand versus non-preferred brand.
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Or they say it's not medically necessary. So the first thing to consider is requesting the exact reason in writing that your medication was denied. First, don't rely on the phone call alone. ask for a written denial letter. A peer-to-peer basically forces your prescribing doctor to talk directly to the insurance company's medical director.
0:49
I've seen so many denials reversed at this stage because the insurance doctors finally hear the actual clinical reason. You know, if you get through steps one through three and your appeal is lost, A lot of drug manufacturers have coupons from nonprofit grants, and you'd be surprised how you can slash that $700 bill down.
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Lumani Unfiltered: My Kid’s Meds Denied—Now What? A Nurse Mom’s 5 Steps to Fight Back

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Stephanie Lapre
Apr 17, 2025
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Tired of seeing ‘Not covered’? As a nurse case manager and mom, I’m revealing the behind-the-scenes steps—written denials, peer reviews, discount programs—that saved me from a $700 meltdown. Watch my new Lumani Unfiltered episode for the full story on my YouTube Channel.
Because it’s not just about your coverage crisis, it’s about helping another family who might be one denial away from disaster. Let’s do this!

Thanks for reading Lumani Unfiltered! Subscribe for free to receive new posts and support my work.

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0:49
I've seen so many denials reversed at this stage because the insurance doctors finally hear the actual clinical reason. You know, if you get through steps one through three and your appeal is lost, A lot of drug manufacturers have coupons from nonprofit grants, and you'd be surprised how you can slash that $700 bill down.