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Medical Emergency: How To Be Prepared

Find Out From Your Insurer If And When You Need To Get Pre-Authorization

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Do not expect that people in the emergency room will know what your insurance covers and whether it requires that you contact the insurer for pre-authorization before going to the emergency room or doing a procedure. 

Look at your policy to determine whether it requires pre-authorization for emergency room services.  If time is of the essence, and the need is urgent, go straight to the emergency room and call from the hospital.

If your insurer does not give you approval but you feel that you require emergency treatment, go the hospital.  You can do battle with the insurance company at a later time. If the need for emergency room services is due to a life-threatening situation (such as a heart attack or stroke), the insurance company has to pay, even if pre-authorization was not obtained.  

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