Understanding when pre-authorization is necessary (and who will make the phone call) is critical for saving money.

When my son was born, the insurance company required pre-authorization for the delivery hospital visit. My doctor’s office staff asssured me they would “handle” the authorization phone call when I went into labor. After delivery I decided to call the insurance company and double check since the authorization had to be completed within 24 hours of admission and it was the weekend. I am so glad I did! No phone calls had been made and the deadline was near the end. That single phone call saved my family thousands of dollars!