
Auth57 · Specialty PA Pack
Endocrinology
For the endocrinologist on GLP-1s, insulin, and growth hormone — where PA bites, and exactly how to clear it.
Structured rules
1,583
PA-required
81%
Appeal layer
51/51
Criteria docs
50/51
The breadth · all 51 jurisdictions
Every state, quantified for endocrinology
| State | Approved · CY25 | Rules | PA-required | Appeal | Criteria docs |
|---|---|---|---|---|---|
| ● Recent · CY2025 disclosures — click a state to drill in | |||||
| WAWashington▸ viewing | 88.2% | 36 | 78% | ✓ | 11 |
| COColorado | 91.8% | 33 | 79% | ✓ | 6 |
| OHOhio | 77.7% | 36 | 81% | ✓ | 15 |
| All states · A–Z | |||||
| AKAlaska | — | 21 | 86% | ✓ | 4 |
| ALAlabama | — | 33 | 82% | ✓ | 6 |
| ARArkansas | — | 36 | 81% | ✓ | 8 |
| AZArizona | — | 33 | 82% | ✓ | 5 |
| CACalifornia | — | 36 | 78% | ✓ | 11 |
| CTConnecticut | — | 33 | 79% | ✓ | 11 |
| DCDistrict of Columbia | — | 33 | 79% | ✓ | 8 |
| DEDelaware | — | 33 | 82% | ✓ | 4 |
| FLFlorida | — | 33 | 82% | ✓ | 4 |
| GAGeorgia | — | 36 | 78% | ✓ | 20 |
| HIHawaii | — | 33 | 76% | ✓ | 9 |
| IAIowa | — | 33 | 82% | ✓ | 13 |
| IDIdaho | — | 24 | 79% | ✓ | 10 |
| ILIllinois | — | 32 | 81% | ✓ | 2 |
| INIndiana | — | 33 | 82% | ✓ | 8 |
| KSKansas | — | 33 | 82% | ✓ | 11 |
| KYKentucky | — | 36 | 78% | ✓ | 4 |
| LALouisiana | — | 30 | 83% | ✓ | 17 |
| MAMassachusetts | — | 27 | 81% | ✓ | 14 |
| MDMaryland | — | 30 | 80% | ✓ | 22 |
| MEMaine | — | 30 | 80% | ✓ | 4 |
| MIMichigan | — | 30 | 83% | ✓ | 13 |
| MNMinnesota | — | 24 | 83% | ✓ | 2 |
| MOMissouri | — | 38 | 79% | ✓ | 5 |
| MSMississippi | — | 36 | 81% | ✓ | 9 |
| MTMontana | — | 24 | 83% | ✓ | 4 |
| NCNorth Carolina | — | 36 | 81% | ✓ | 31 |
| NDNorth Dakota | — | 24 | 83% | ✓ | 8 |
| NENebraska | — | 30 | 83% | ✓ | 4 |
| NHNew Hampshire | — | 30 | 83% | ✓ | — |
| NJNew Jersey | — | 30 | 80% | ✓ | 3 |
| NMNew Mexico | — | 24 | 75% | ✓ | 5 |
| NVNevada | — | 29 | 79% | ✓ | 22 |
| NYNew York | — | 33 | 79% | ✓ | 9 |
| OKOklahoma | — | 36 | 81% | ✓ | 3 |
| OROregon | — | 36 | 81% | ✓ | 3 |
| PAPennsylvania | — | 30 | 80% | ✓ | 23 |
| RIRhode Island | — | 24 | 83% | ✓ | 3 |
| SCSouth Carolina | — | 32 | 81% | ✓ | 6 |
| SDSouth Dakota | — | 21 | 81% | ✓ | 3 |
| TNTennessee | — | 33 | 82% | ✓ | 6 |
| TXTexas | — | 36 | 81% | ✓ | 54 |
| UTUtah | — | 33 | 82% | ✓ | 16 |
| VAVirginia | — | 36 | 78% | ✓ | 20 |
| VTVermont | — | 21 | 81% | ✓ | 8 |
| WIWisconsin | — | 33 | 82% | ✓ | 2 |
| WVWest Virginia | — | 27 | 85% | ✓ | 2 |
| WYWyoming | — | 24 | 83% | ✓ | 9 |
Deep dive· Washington
Washington — endocrinology, every program
Click any state in the table above to drill into its rules, approval rates, and appeal path.
● Rules verified as-of Jun 8, 2026Medicaid FFS · CY25
54.8%approved
Draft · aggregatedSource ↗⚠ Dental = ~78% of HCA fee-for-service PA volume and is dental-skewed; expedited EPAs aren't captured. Not representative of drug/medical PA. CY2025 data is preliminary.
medicaid ffs
Approved · CMS-0057-F 202554.8%
Draft · aggregatedSource ↗⚠ Dental = ~78% of HCA fee-for-service PA volume and is dental-skewed; expedited EPAs aren't captured. Not representative of drug/medical PA. CY2025 data is preliminary.
- growth hormonePA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonistsPA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulinsPA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
commercial regulated
- insulins(UnitedHealthcare)PA requiredSwitch?PA + step therapy — a prior in-class trial usually clears itThis plan gates the class with PA + quantity limit + step therapy. A documented trial (or failure/intolerance) of an in-class agent — which your patient already has — typically satisfies the step requirement, so the switch clears.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(UnitedHealthcare)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + quantity limit. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(UnitedHealthcare)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + quantity limit + specialty pharmacy. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Cigna)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Cigna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + specialty pharmacy. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Cigna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + quantity limit. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Aetna (CVS Caremark))No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Aetna (CVS Caremark))PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + specialty pharmacy. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Aetna (CVS Caremark))PA requiredSwitch?PA + step therapy — a prior in-class trial usually clears itThis plan gates the class with PA + step therapy. A documented trial (or failure/intolerance) of an in-class agent — which your patient already has — typically satisfies the step requirement, so the switch clears.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Anthem Blue Cross (Elevance))PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + quantity limit. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Anthem Blue Cross (Elevance))PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA + quantity limit. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Anthem Blue Cross (Elevance))PA requiredSwitch?PA + step therapy — a prior in-class trial usually clears itThis plan gates the class with PA + specialty pharmacy + step therapy. A documented trial (or failure/intolerance) of an in-class agent — which your patient already has — typically satisfies the step requirement, so the switch clears.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
part d
- growth hormone(Centene)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Centene)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Centene)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Unitedhealthcare)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Unitedhealthcare)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Unitedhealthcare)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Humana)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Humana)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Humana)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Cigna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Cigna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Cigna)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Aetna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Aetna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Aetna)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Kaiser)No PASwitch?Switch usually clears — no PANo prior authorization on this plan for this class — document the clinical reason for the change.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Kaiser)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- glp1 agonists(Kaiser)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
commercial qhp
- glp1 agonists(Molina Healthcare)PA requiredSwitch?PA + step therapy — a prior in-class trial usually clears itThis plan gates the class with PA + step therapy. A documented trial (or failure/intolerance) of an in-class agent — which your patient already has — typically satisfies the step requirement, so the switch clears.Brands···Ozempic1952KMounjaro894Knew ’22Januvia828KTrulicity788KRybelsus310KVictoza104KSoliqua59KBydureon38KGlyxambi29KLiraglutide24Knew ’24Sitagliptin6Knew ’23Byetta3KExenatide0new ’24# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- insulins(Molina Healthcare)No PASwitch?PA + step therapy — a prior in-class trial usually clears itThis plan gates the class with PA + quantity limit + step therapy. A documented trial (or failure/intolerance) of an in-class agent — which your patient already has — typically satisfies the step requirement, so the switch clears.Brands···Lantus1687KInsulin1074KHumalog705KNovolog666KTresiba572KBasaglar424KInsulin Lispro408KToujeo324KHumulin311KLevemir262KNovolin177KInsulin Aspart168KFiasp160KAdmelog67KInsulin Degludec50KInsulin Glargine37KLyumjev31KApidra3K# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
- growth hormone(Molina Healthcare)PA requiredSwitch?PA required — switch supported by prior therapyThis plan requires PA. No step therapy is documented for the class, so the switch is reviewed on standard medical-necessity criteria.Brands···Genotropin1KNorditropin779Omnitrope702Orilissa511Humatrope285Oriahnn49Ngenla0new ’23Skytrofa0new ’21Zomacton0# = Part D patients (Medicare CY2023; infused agents read low). new = FDA-approved 2021+.
If denied in Washington
📨 Office of Administrative Hearings (OAH)
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Full criteria, sources & appeal paths — all 51 states.
You’ve seen the breadth and one state in full. The complete Endocrinologypack — every state’s criteria, source citations, and step-by-step appeal instructions — is one email away.
Assembled from Auth57’s rules + criteria corpus + 51-state appeal layer. Draft data — verify against the payer’s current policy before relying.