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What is prior authorization?

For some services, treatments and drugs, your provider may need to check whether your plan covers them before you receive care or fill a prescription. This is called prior authorization (prior auth). It's also known as “preapproval” or “precertification”.

 

If you’re a member, find details about your plan, drug coverage and prior auth status at any time through your Aetna Health app and member website.

Prior auth resources for providers and employers

Whether you're submitting requests for patients or supporting your employees' access to care.

 

Why do I need prior authorization?

 

Not all services and drugs require this. In most cases, your provider will let you know when prior auth is needed. To make a coverage decision, we’ll use clinical guidelines and your plan benefits to review your provider’s request.

 

Prior auth is used to help you get quality care that’s covered under your plan. It can also help connect you to support. Your plan may refer you to specialty programs to help you manage long-term conditions and follow your treatment plan. If you receive care or fill a prescription before prior auth approval, you may be responsible for the full cost.

Step-by-step: how does prior authorization work?

Step 1: Your provider submits a request.

 

When you visit an in-network provider, they’ll submit a prior auth request on your behalf before providing the service or filling a prescription.

 

Note: If you see a provider outside the network, you may need to request prior auth yourself. Call the number on your member ID card before your appointment to confirm what's needed.

Step 2: Aetna® reviews the request.

Our clinical team reviews each request against quality clinical guidelines and your plan benefits.

Step 3: You and your provider receive a decision.

We stay in touch throughout the process. For members, you can check your requests at any time through your Aetna Health℠ app and website. This way, you’ll know what to expect next.

  • If approved, talk with your provider about next steps to receive care or fill your prescription.
  • If not approved, you and your provider will receive a communication explaining the coverage decision. In some cases, we may need more information to review the request. Or the information provided may not meet clinical guidelines for coverage under your plan.

How does prior authorization work for your plan type?

Medicare

 

Find details on how prior auth works and other frequently asked questions for Aetna® Medicare plan members.

Medicaid

 

Visit the Medicaid prior auth page or your member handbook to find state-specific details.

Frequently asked questions (FAQs)For plans through an employer (non-Medicare and non-Medicaid members)

  • Not all services and drugs require this. In most cases, your provider will let you know when prior auth is needed. To find out which services and drugs require prior auth under your plan, log in to your Aetna Health app or website.

     

  • Depending on the details of the request and your plan, here’s what you can expect:

     

    • Standard requests: We process most requests within 24 hours.* Other requests may take longer. Those decisions are made within 15 days or sooner, as required by law.
    • Urgent requests: If your situation is time sensitive, your provider can request an expedited review. For urgent requests, decisions are made within 72 hours or sooner.
  • You have options:

     

    • Talk with your provider. They’ll have a copy of the decision reason from us and can discuss next steps with you or recommend alternative options.
    • Have your provider request a peer-to-peer review.* This is a conversation between your provider and an Aetna clinical reviewer. They’ll have a chance to share more information about your course of treatment and talk with us about the decision.
    • Request a formal appeal. You have the right to appeal. This means asking us to revisit our decision. Refer to your prior auth decision letter for details on your options and timing for an appeal. Find more info on filing an appeal.

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations. Plan requirements for prior auth may vary. Refer to your plan documents for more details.