{"id":8668,"date":"2025-04-30T22:04:03","date_gmt":"2025-04-30T14:04:03","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=8668"},"modified":"2026-02-19T01:11:00","modified_gmt":"2026-02-18T17:11:00","slug":"prior-authorization-what-to-do-if-your-health-insurer-requires-it","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/prior-authorization-what-to-do-if-your-health-insurer-requires-it.html","title":{"rendered":"Prior Authorization: What to Do If Your Health Insurer Requires It"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Prior authorization is a process where insurers decide if a medication or treatment will be covered. It helps manage resources and control costs by preventing unnecessary or ineffective treatments, tests, or procedures that may not provide enough benefit to the policyholder to justify their expense.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Have you ever arrived at a pharmacy to collect your prescription, only to be informed that it requires prior authorization? Or perhaps you&#8217;ve faced the need for prior authorization before undergoing a medical procedure, such as a knee replacement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s natural to wonder why a prescription from your healthcare provider requires more than just <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\"> coverage. In this <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> article, we clarify the concept of insurance prior authorization so you can navigate the process with confidence.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Explaining Prior Authorization<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21080 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck.webp\" alt=\"Image of Female Doctor Wearing Stethoscope Around Neck with text overlay of &quot;Prior Authorization: What to Do If Your Health Insurer Requires It&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/female-doctor-wearing-stethoscope-around-neck-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Prior authorization is the process doctors must go through to request that certain medical treatment, such as an MRI or surgery, be covered by medical insurance companies. <\/span><a href=\"https:\/\/www.sj-r.com\/story\/lifestyle\/columns\/2023\/01\/30\/what-to-do-when-your-health-insurance-requires-prior-authorization\/69850123007\/\"><span style=\"font-weight: 400;\">Prior authorization<\/span><\/a><span style=\"font-weight: 400;\"> goes by many names, including preauthorization insurance (or preauthorization for short) and prior approval.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Prior authorization is quite common, and most doctors state that it is even overused. Where prior authorization was originally used for brand-new drugs or procedures, it has become more widespread.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Further reading: <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-for-living-abroad.html\"><span style=\"font-weight: 400;\">Health Insurance for Expats Living Abroad<\/span><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">How to Know When Prior Authorization is Required<\/span><\/h2>\n<p><a href=\"https:\/\/www.goodrx.com\/insurance\/health-insurance\/prior-authorization-what-you-need-to-know\"><span style=\"font-weight: 400;\">Prior authorization is often necessary for medications<\/span><\/a><span style=\"font-weight: 400;\"> and services that are either costly or lacking in safety and efficacy data, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Immunotherapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chemotherapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Newer brand-name drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-risk invasive procedures (e.g. spine surgery)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aesthetic\/cosmetic procedures<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With more costly biological drugs for various conditions entering the market, prior authorization is becoming less of an exception and more of a normality for many policyholders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each insurance policy has its own prior authorization list. Some treatments may require approval under one plan but not another. The list might be available online, but it\u2019s often hard to find or understand. These lists are designed for insurance providers and billing specialists, not patients.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Policyholders are often unaware they need prior authorization until they\u2019re informed they must pay out of pocket due to a lack of coverage. This can lead to unexpected expenses, making it essential to check your policy and stay informed about any treatments that may require prior approval.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Further reading: <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-8-health-insurance-exclusions.html\"><span style=\"font-weight: 400;\">Top 8 health insurance exclusions you must know about<\/span><\/a><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Long Does Prior Authorization Takes for Medication<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The time it takes for prior authorization approval can vary depending on the insurer and medication. On average, it may take a few days to two weeks. For urgent cases, such as life-threatening conditions, the process may be expedited, but standard requests typically take longer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To avoid delays, maintain communication with your healthcare provider and insurer. Your provider may need to submit extra documentation, which can impact the approval timeline. Follow up with your insurer regularly to ensure the process runs smoothly and to address any potential issues promptly.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Get Prior Authorization<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your doctor or their office staff will fill out and submit all paperwork related to prior authorization. If you are denied your medication or other care because your insurer requires prior authorization, contact your healthcare provider right away.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you choose to receive care from a doctor or healthcare professional who is outside your health insurance network, you may be required to submit prior authorization forms yourself.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your insurer requires health information from you as part of your prior authorization for a medical service or if you must submit the forms yourself, there are some steps that you\u2019ll have to follow.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Talk to Your Insurance Provider<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">First, get in touch with your insurer\u2019s office, and speak to a designated individual who handles prior authorization requests. Once you know who to speak to, find out what information you have to provide to proceed.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Submit Your Paperwork<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most often your doctor will complete your prior authorization work. If you must provide the information yourself, complete prior authorization forms, which your insurer will use to process your request. These forms require personal details and medical information about your treatment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Filling out every section correctly can help prevent delays and ensure a smoother approval process. Providing accurate information is crucial, as errors or missing details may cause delays or denials. A mistake could require you to resubmit the form and prolong approval.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Double-check all entries before submission to avoid setbacks and ensure your request is processed quickly.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Keep a Record<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s highly advisable to maintain a record of everything as you\u2019re collecting and filing out the paperwork so you can easily refer back to it if there are any issues. What\u2019s more, it can be helpful to keep records of your approved prior authorizations for future requests.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even though your insurer\u2019s office will assist you in staying up to date, setting your own reminders can help you stay on top of due dates. Staying proactive can prevent unexpected coverage issues and delays, ensuring you receive necessary treatments without disruptions.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What to Do if Your Prior Authorization Request is Denied<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s important to discuss with your doctor what you\u2019ll do if your prior authorization request is denied by your insurance provider. The first step following a denied request is to determine why.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your doctor provided the prior authorization request, he or she will likely resubmit their claim and provide other information that will help insurers approve the requested treatment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you filled out the prior authorization paperwork and you\u2019re sure that all the information you provided is correct, it\u2019s worth finding out if there is anything else you can add to help justify your case.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Appeals Process for Denied Prior Authorizations<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Prior authorizations, including appeals, are the responsibility of your doctor: your doctor wants you to get approval quickly and he or she <\/span><a href=\"https:\/\/www.health.harvard.edu\/staying-healthy\/prior-authorization-what-is-it-when-might-you-need-it-and-how-do-you-get-it\"><span style=\"font-weight: 400;\">spends extensive time seeking prior authorizations<\/span><\/a><span style=\"font-weight: 400;\">. If your prior authorization is denied, don&#8217;t lose hope. Most insurers offer an appeals process.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have selected to receive care outside your network and must fill out your prior authorization request yourself, the first step in seeking an appeal is understanding why the authorization was denied. This can be due to insufficient medical justification, incorrect forms, or other reasons.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have this information, work with your healthcare provider to gather any additional supporting documentation. This might include medical records, test results, or detailed notes from your doctor outlining why the prescribed medication is necessary.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After submitting the appeal, insurers are generally required to review the new information and respond within a set time frame.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your appeal is unsuccessful, you can request a second review or explore other methods of escalating the decision. Knowing how to navigate the appeals process is crucial, as it can significantly increase your chances of having the authorization reversed.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Impact of Prior Authorization on Access to Medical Treatment\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21081 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen.webp\" alt=\"Image of Doctor Filling Out A Medical Chart With Pen with text overlay of &quot;The Impact of Prior Authorization&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/doctor-filling-out-a-medical-chart-with-pen-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Prior authorization can sometimes delay access to necessary medications or treatment. For patients who require urgent treatment, these delays can be frustrating for them and their doctors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If <\/span><a href=\"https:\/\/www.ama-assn.org\/practice-management\/prior-authorization\/what-doctors-wish-patients-knew-about-prior-authorization#\"><span style=\"font-weight: 400;\">your doctor fills out your prior authorization request<\/span><\/a><span style=\"font-weight: 400;\">, rest assured that they are the expert and know best how to help you get the treatment you need. They likely also feel the frustration of delays, and they will be your advocate in this process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re facing a delay in getting approval for your prior authorization that you requested on your own, it\u2019s essential to stay proactive. Contact your insurer to check the status of the prior authorization request and inquire if there\u2019s anything you can do to expedite the process.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may also want to ask if your healthcare provider can provide additional documentation to support the urgency of your case. In some situations, if the medication or procedure is time-sensitive, the insurer may speed up the approval or offer an alternative solution.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Get Expert Insurance Advice from Pacific Prime<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Different health insurance plans have different rules regarding prior authorization. Doctors will likely do the work of prior authorization for you, but if you must speak directly to your insurance provider and seek help from a medical professional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/individual-health-insurance\/\"><span style=\"font-weight: 400;\">individual health insurance<\/span><\/a><span style=\"font-weight: 400;\">, or other <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">insurance plans<\/span><\/a><span style=\"font-weight: 400;\">, we\u2019re here to help. As a global health insurance brokerage and employee benefits specialist with 20+ years of experience, Pacific Prime is your one-stop source for all things insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Living by our motto of \u201csimplifying insurance,\u201d our insurance experts are available to answer your questions or help you find a suitable plan for your needs and budget.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> to find out about your health insurance options or to receive a free plan comparison today!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is prior authorization in health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Prior authorization is a process where your health insurer requires approval before you receive certain medical services or medications to ensure they are medically necessary and cost-effective.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why do insurers require prior authorization?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurers use prior authorization to manage costs and prevent unnecessary treatments by evaluating the necessity and efficacy of specific services or medications before approving coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What should I do if my prior authorization request is denied?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your doctor will most likely handle all prior authorization paperwork, including appeals. If the request is denied, he or she will review the denial letter to understand the reasons, gather supporting documentation, and follow your insurer&#8217;s appeal process to contest the decision.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prior authorization is a process where insurers decide if a medication or treatment will be covered. It helps manage resources and control costs by preventing unnecessary or ineffective treatments, tests, or procedures that may not provide enough benefit to the policyholder to justify their expense. Have you ever arrived at a pharmacy to collect your &#8230;<\/p>\n","protected":false},"author":81,"featured_media":21078,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217],"tags":[1747,3571,1746,1228,1641,1599,1380,1490],"class_list":["post-8668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_gen","tag-compare-health-insurance","tag-cta_gen","tag-expat-health-insurance","tag-health-insurance-plans","tag-individual-health-insurance","tag-international-health-insurance","tag-private-health-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prior Authorization: What to Do If Your Health Insurer Requires It<\/title>\n<meta name=\"description\" content=\"Did you know that our prescriptions or medical procedures might not be covered without prior authorization? Find out more in this article.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/prior-authorization-what-to-do-if-your-health-insurer-requires-it.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prior Authorization: What to Do If Your Health Insurer Requires It\" \/>\n<meta property=\"og:description\" content=\"Did you know that our prescriptions or medical procedures might not be covered without prior authorization? 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