Getting a Referral and Prior Authorization: Common Questions
The steps that may be needed before you see a specialist or have a test or treatment covered: a referral from your primary care doctor, approval from your insurer, and the Explanation of Benefits that follows.
Last revised
Getting a Referral and Prior Authorization: the questions people actually ask, answered from published guidance.
Key takeaways
- Referral: HMO plans usually require one from your primary care doctor before you see a specialist; many PPO plans do not
- Prior authorization: insurer approval required in advance for some tests, procedures and medicines
- Most useful single change: Ask your doctor's office whether a referral or prior authorization is needed, and whether it has been sent.
- Commonest mistake: Booking a specialist before checking your plan's referral rules.
- See a doctor if any of the signs under "When to get help" below apply to you.
What is Getting a Referral and Prior Authorization?
The steps that may be needed before you see a specialist or have a test or treatment covered: a referral from your primary care doctor, approval from your insurer, and the Explanation of Benefits that follows.
Why does it matter?
Skipping a required step can leave you with the full bill, and knowing your rights is the difference between waiting and chasing.
Prior authorization for Getting a Referral and Prior Authorization?
Insurer approval required in advance for some tests, procedures and medicines.
If you are denied for Getting a Referral and Prior Authorization?
You have the right to an internal appeal and, if that fails, an independent external review.
Explanation of Benefits (EOB) for Getting a Referral and Prior Authorization?
A statement from your insurer showing what was billed, paid and what you may owe; it is not a bill.
Urgent requests for Getting a Referral and Prior Authorization?
Can be reviewed on a faster, expedited timeline.
What is the single most useful thing to do?
Ask your doctor's office whether a referral or prior authorization is needed, and whether it has been sent.
What is the most common mistake?
Booking a specialist before checking your plan's referral rules.
When should I see a doctor?
Do not wait for an approval or specialist appointment if symptoms worsen sharply — new or increasing pain, bleeding, weight loss, or anything that frightens you. Contact your doctor the same day, and call 911 for an emergency, which never needs prior authorization.
Related topics
- Medicare and Medicaid Appeals: What the Evidence Actually Says (Medicare and Medicaid)
- What the Guidance Really Says About Reading an Explanation of Benefits (Health Insurance and Costs)
- Physical Therapy Services: Sorting the Evidence From the Noise (Rehabilitation)
- What the Guidance Really Says About Benefits and Financial Support (Long-Term Conditions)
Where to go next
- A Q and A on Getting a Referral and Prior Authorization
- Getting a Referral and Prior Authorization at a Glance
- Getting a Referral and Prior Authorization — the reference entry
- Using Health Services: The Complete Guide
- The Evidence on Asking for a Second Opinion, Without the Hype
- The Evidence on Leaving Hospital, Without the Hype
When to get help
Do not wait for an approval or specialist appointment if symptoms worsen sharply — new or increasing pain, bleeding, weight loss, or anything that frightens you. Contact your doctor the same day, and call 911 for an emergency, which never needs prior authorization.
Where this comes from
- HealthCare.gov — Referral
- HealthCare.gov — Preauthorization
- HealthCare.gov — Appealing a health plan decision
How this page was put together
Every figure, recommendation and warning above is taken from the guidance named in Where this comes from. Nothing on this page is inferred, summarized or generalized beyond what those bodies publish: where they give a number, it is their number, and where they are silent, so are we. Pages are rebuilt whenever the underlying record changes. Sign-off by a named clinician, where it has happened, is shown at the top of the page along with the date.
Medical disclaimer
This article is general information, not medical advice. It cannot account for your own history, medication or circumstances. Always speak to your doctor, pharmacist or another qualified health professional before making changes that affect your treatment, and never delay seeking medical advice because of something you have read here. In an emergency, call 911.
