Predetermination Request (insurer-specific) · Health Insurance Plans
Request for a coverage determination before an expensive or elective procedure. The insurer reviews the proposed service and provides a written estimate of coverage, cost-sharing, and any applicable limitations.
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Fax to the insurer's predetermination or utilization management department
Submit through the insurer's provider portal
Mail to the insurer's predetermination department
Filing Deadline
No deadline, but must be submitted before the scheduled procedure. Allow 2-4 weeks for processing.
10-30 business days. A predetermination is not a guarantee of payment but provides a reliable estimate of coverage.
The insurer issues a written predetermination letter stating whether the service is covered, the estimated cost-sharing, and any limitations. This is not a binding guarantee but is a strong indicator of coverage.
PA Request (insurer-specific) · Health Insurance Plans
Request for approval of surgical procedures, imaging studies, specialist referrals, or other services requiring pre-authorization. Must demonstrate medical necessity.
Pharmacy PA (insurer/PBM-specific) · Health Insurance Plans / PBMs
Request for coverage of formulary drugs requiring PA, non-formulary drugs, or override of step therapy, quantity limits, or other utilization management edits.
Step Therapy Exception · Health Insurance Plans / PBMs
Request to bypass step therapy requirement and proceed directly to a preferred or non-preferred drug. Must document why first-step drugs are not appropriate for the patient.
Tiering Exception · Part D Plans / Commercial Insurers
Request to obtain a non-preferred drug at the lower cost-sharing tier. Prescriber must provide a supporting statement documenting why the lower-tier alternatives are not appropriate.
Specialty PA (insurer-specific) · Health Insurance Plans / Specialty Pharmacies
Prior authorization request for high-cost specialty medications including biologics, gene therapies, and other complex drugs. Requires detailed clinical criteria documentation.
DME PA (insurer-specific) · Health Insurance Plans / Medicare MACs
Request for coverage of wheelchairs, CPAP machines, hospital beds, prosthetics, orthotics, and other durable medical equipment.
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