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Your doctor is your ally on this. Most plans require that your doctor submit a formulary exception on your behalf. The doctor will need to send paperwork to your health plan indicating the reason that you cant take the preferred medications and must have one that is not currently on the formulary.
Prior authorizations are usually only required for more costly, involved treatments where an alternative is available. For instance, if a physician prescribes an invasive procedure such as orthopedic surgery, it will likely require preauthorization.
Prior authorization is usually required if you need a complex treatment or prescription. Coverage will not happen without it.
Prior authorization requires your doctor or provider to obtain approval from your health plan before providing health care services or prescribing prescription drugs. Without prior authorization, your health plan may not pay for your treatment or medication. (Emergency care doesnt need prior authorization.)
What Are Prior Authorization and the Formulary Exception Process? The term prior authorization may also refer to a commonly used managed care strategy called the formulary exception process, which allows exceptions to a plans formulary (see A M C P s Concept Series paper, Form u l a ry Management).

People also ask

Prior authorization (PA) is an essential tool that is used to ensure that drug benefits are administered as designed and that plan members receive the medication therapy that is safe, effective for their condition, and provides the greatest value.
Not everything requires prior authorization. Theres a relatively easy way to check for both prescription drugs and medical services. There are two ways to check which drugs are covered by your plan. Check the list of covered drugs, also known as the drug formulary.

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