Reader’s Digest has some great tips, including this one about seeking prior authorization:
Milos Luzanin/ShutterstockBefore you agree to have a procedure, ask your doctor to submit a prior authorization (pre-approval) to your insurance company before you have the service, says Dr. Terzian. Health insurance companies use the prior authorization to verify that a procedure or drug is medically necessary before it is done or the prescription is filled. By receiving prior authorization, the doctor will be able to understand how something will be covered and if it will be covered, says Dr. Terzian. Taking the risk of having the service done or the prescription filled before the insurance company approves it can be costly—leaving the patient responsible for the cost.
Read the whole article for more helpful advice.
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