If you have or have had a Sure. HealthYou probably had to face the authorizations. On many occasions, when you have to undergo a treatment or a diagnostic test, you must obtain a prior authorisation of the insurance. In this article, we will explain the process to you, so you can be more clear how to act.
Prior authorisation of the insurer
You go to the doctor, consult you, or check you out and decide that you should have a medical test before you can have the final diagnosis. For this, the doctor of the company with which you have health insurance issues the prescription medical by a steering wheel which you will have to present when you are going to undergo the medical test that he has prescribed for you. So far, so good. The possible problem can happen when you ask for time, you present yourself at the medical center the day you have to be tested and ask, do you have the authorization of your insurer?
Well, most tests and treatments usually need prior authorisation of the health insurance company. I mean, after your doctor has given you the flyer, you must call your insurer or manage through your app or web to be issued that authorization.
When I need prior authorisation from the insurer
The biggest problem with which we often find ourselves as health insurance is that it is often not clear when or not this prior authorisation from the insurer is needed.
The first thing is ask the doctor directly. Most of the time, the doctor himself knows for which evidence this prior authorisation from the insurer is needed and for which not. It also often has experience with different insurers and often knows whether a given test requires prior authorisation from one insurer and not from another, for example.
If the doctor doesn't know, he usually tells you that ask your secretary or dating management department. As these are bureaucratic and administrative issues, the medical professional is often unaware of them, but the people who are in charge of the appointments and the files often have much clearer information about when the prior authorisation of the insurer is needed.
The majority of insurers usually request prior authorisations in such cases:
1. Diagnostic tests
Many diagnostic tests require prior authorisation from the insurer, but others do not. The difficulty is to understand which ones need it and which ones do not, so the medical dating management service can help you a lot in this regard.
2. Treatments
As with the diagnostic tests, there are certain treatments that do require prior authorisation from the insurer.
3. Surgical interventions and hospitalizations
It is also often normal to request prior authorisation from the insurer. In the case of surgical interventions, if we know in advance that we are going to undergo one, it is best to ask for prior authorization in sufficient time. In hospitalizations, same thing. If surgery or hospitalization occurs as a result of an emergency, it is usually the hospital itself that requests prior authorisation from the insurer if necessary.
4. Fixed internal prostheses
It is another time when prior authorisation from the insurer is needed. Please also note that plates and nails are considered prostheses.
The prior authorisation of the insurer is usually a simple bureaucratic process always that you're covered by you Policy. However, in the event that your policy does not include, for example, prostheses, the insurer will refuse your authorisation and you will not be able to undergo the test, treatment, intervention etc. under the policy, but you will have to bear its cost directly.
In inXur we will explain everything about you Policy, so you have all the information and you can always make the best decision that suits your needs and those in your pocket.
Remember, if you prefer, you can also contact us on the phone by calling us on 911982330, sending us a Whatsapp to 660839546 or sending an email to clientes@inxur.com.
Our working hours are from Monday to Friday from 9.30 a.m. to 6.30 p.m. If you contact us outside this schedule, we will manage your application as soon as possible on the next working day.
