Obtain Pre-Authorization When Necessary

When reviewing the plan details of your new family health policy, you may find mention of penalties or non-payment of claims for certain procedures that require pre-authorization. Not obtaining this pre-authorization for medical services needed for any family member can dramatically increase your out-of-pocket costs. Your plan details should clearly outline all procedures that require pre-authorization. If you have a family doctor that has scheduled your procedure, he will often handle the pre-authorization requirements with your insurance company or may even have the authority to grant this pre-authorization. However, it is always a good idea to contact your insurance company in advance of any scheduled medical procedure to verify that pre-authorization has been given. Ask for the claims number associated with this pre-authorization and, if possible, request a faxed copy for your records.

Note: The information and advice provided in this Guide to Family Health Insurance may not provide the best advice for every situation. The best options for your family's medical insurance may be unique and require the advice of a local advisor. We highly recommend that you consult with more than one insurance broker in your state to gather and compare alternative opinions. The owners of HealthInsuranceFinders.com are not responsible for any decisions you make in regards to your family's health insurance through the information provided in this guide.