Your health insurance company might need to approve certain health care services, prescriptions, or equipment before it will agree to cover their cost. The process for getting this approval is called prior authorization (it may also be referred to as preauthorization, precertification, predetermination, or prior approval).
Your doctor or other health care provider will fill out a prior authorization form and submit it to the insurance company. The insurer will then decide whether to cover all, some, or none of the cost. It will communicate its decision and rationale to you and/or your health care provider.