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.
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Fax to your insurer's prior authorization department
Fax number is on the back of your insurance card or on the denial/request form.
Through your insurer's provider portal
Many insurers now accept electronic prior auth submissions.
Mail to the address on the prior auth form
Slowest method — use fax or online if possible.
Standard: 15 days (non-urgent) or 72 hours (urgent). Some states require faster turnaround.
Insurer will approve, deny, or request additional information. If denied, you have the right to appeal. Ask about peer-to-peer review for faster resolution.
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.
Medical Necessity Letter · Treating Physician / Provider
Structured letter template for a physician to complete, documenting the medical necessity of a requested service, procedure, or medication. Used to support prior authorizations, appeals, and exception requests.
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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