What types of medical treatments and medications may need prior authorization?
No Surprises ActThe No Surprises Act was enacted in 2020 and goes into effect on January 1, 2022. It provides federal consumer protections against unanticipated out-of-network bills called “surprise bills.” Show
Surprise bills arise in emergencies when patients typically have little or no say in where they receive care. They also arise in non-emergencies when patients at in-network hospitals or facilities receive care from providers (such as anesthesiologists) who are not in-network and whom the patient did not choose. The law requires surprise bills must be covered without prior authorization and in-network cost sharing must apply.1 How do I get a prior authorization?If your health care provider is in-network, they will start the prior authorization process. If you don’t use a health care provider in your plan’s network, then you are responsible for obtaining the prior authorization. If you don’t obtain it, the treatment or medication might not be covered, or you may need to pay more out of pocket. Review your plan documents or call the number on your health plan ID card for more information about the treatments, services, and supplies that require prior authorization under your specific plan. How does the prior authorization process work?Typically, within 5-10 business days of receiving the prior authorization request, your insurance company will either:
These responses are based on input from clinical pharmacists and medical doctors who review the requests at the health insurance company. If you’re unhappy with your prior authorization response, you or your health care provider can ask for a review of the decision. Is prior authorization required in emergency situations?No, prior authorization is not required if you have an emergency and need medication. However, coverage for emergency medical costs are subject to the terms of your health plan. Why does my health insurance company need a prior authorization?The prior authorization process gives your health insurance company a chance to review how necessary a medical treatment or medication may be in treating your condition. For example, some brand-name medications are very costly. During their review, your health insurance company may decide a generic or another lower-cost alternative may work just as well in treating your medical condition. How does prior authorization help me?The prior authorization process can help you:
Review your plan documents or call the number on your plan ID card for more information about the treatments, services, and supplies that require prior authorization under your specific plan. The information in this glossary is for informational purposes only. It is not an absolute source of healthcare information.AccessA patient's ability to obtain medical care. The level of access is determined by the medical services available, the location of the services, the hours of operation, and the cost of care. Acupuncturist
Adjudication
Advance Directive
Aftercare
Allied Health Personnel
Allowable Charge
Alternate Care
Alternative Therapy
Ambulatory Care
Annual Out-of-Pocket maximum
Audiologist
Authorization/Authorized Services/Pre-Authorization
Authorization requirements can vary between insurance companies. In some case, pre-authorization may be needed before a patient is admitted to a hospital or before care is given by certain providers. Benefit Levels
Benefits
Board Certified
Board Eligible
Cafeteria Plan
Calendar Year
Calendar Year Deductible
Capitation
Case Management
CHIP Program
Chiropractor
Chronic Care
Claim
Claims Examiner
Claims Review
COBRA - The Consolidated Omnibus Budget Reconciliation Act
Under COBRA, the participant must pay the full group premium, including any part the employer had been paying, plus 2% for administrative expenses. Coverage under COBRA can be continued for: COBRA does not apply, and coverage does not remain in force, if the employer terminates the plan, fails to pay the premium, or goes out of business and cancels the plan. COBRA only applies when the group policy remains in force, even if the employer changes group plans. Pre-existing conditions will be covered for people who are eligible for and have purchased a conversion policy or COBRA continuation coverage. New federal and state laws require all group health plans in Pennsylvania to limit exclusion of a pre-existing condition. There are rules about what constitutes a pre-existing condition and how long a person must wait before a new group health plan will begin to pay for care for that condition. Generally, if a person joins a new group plan, the old coverage will be credited toward the pre-existing condition exclusion period, provided there was no break in coverage for more than 63 days. (See also pre-existing condition.) Coinsurance
Comprehensive Major Medical Policy
Conversion Policy
Conversion Privileges
Coordination of Benefits (COB)
Copayment (copay)
Covered Person
Covered Services
Covered or Eligible Expense
CPT Current Procedure Terminology
Credentialing
Deductible
A Family Deductible is the total financial responsibility of a family unit during a calendar year. Example: For a family of 3 on a plan with a $100 individual and a $300 family deductible, each person must meet their $100 deductible for the year OR all 3 insured people combined must meet a total of $300. The family then does not have to pay any more deductible for the rest of the year, if the deductible is on a calendar basis. Defined Benefit Plan
Defined Contribution Plan
Denial
Dental Benefits
Department of Health - DOH
Dependents
Disenrollment
Dual Choice
Duplication of Benefits
Durable Medical Equipment
Durable Power of Attorney
Effective Date
Elective Service
Eligible Dependent
Eligible Employee
Eligibility
Elimination Period
Emergency Care
Emergicenter
Employee Contribution
Employee Retirement and Income Security Act - ERISA
Employer Sponsored Insurance
It is important to know whether the health insurance coverage offered by the employer's group policy is purchased through an insurance company or whether it is self-funded. Self-funded plans can provide excellent health coverage, but they are regulated by the federal government and are not required to offer the same benefits as private insurance plans that are regulated by state insurance laws. Enrollee
Evidence of Insurability
Exclusions and Limitations
Experimental Procedures
Explanation of Benefits
Extended Care Facility
FDA
Fee-for-Service Health Insurance Plans - FFS
Flex Accounts/Flexible Benefit Plan
Formulary
Freestanding Emergency Medical Service Center
Gatekeeper
Generic Drugs
Geritrician
Gerontologist
Grievance
Group Health Insurance Plans
Health Care Financing Administration- HCFA
Health Care Provider
Health Maintenance Organization - HMO
Some HMO s employ the physicians who treat enrolled members at an HMO clinic. Other HMO s contract with individual physicians or physician groups who act as gatekeepers and treat HMO members. Services provided outside the HMO network are not covered except for emergencies or with referrals from the primary care physician that have been approved by the HMO prior to the patient obtaining services. HIPAA (Health Insurance Portability and Accountability Act of 1996)
HMO Act of 1973
Home Care
ICD-9-CM International Classification of Diseases
Indemnity Health Insurance
Individual Health Plans
Individual Practice Association - IPA
Inpatient Services
Insurability - See Evidence of Insurability Joint Commission for the Accreditation of Healthcare Organizations - JCAHOOrganization that reviews and accredits hospitals and other healthcare organizations.Length of Stay
Licensed Practical Nurse (LPN)
Lifetime Maximum
Limited Fee Schedule
Living Will
Long-Term Care
Mail Order Pharmacy
Major Medical Insurance Plan
Managed Care
Mandated Benefits
Medical Savings Account MSA
Medical Service Organization MSO
Medicare
Medicare coverage is in two parts, Part A and Part B. Medicare Part A is for in-patient hospital coverage and is free to the individual. All other covered services, except for prescriptions, fall under Part B. Part B has a premium. Individuals can choose whether or not they want Part B. Medicare Supplement Policy (also Medigap)
Medicaid
Member
NCQA: National Committee for Quality Assurance
Network
Nonparticipating Provider
Nurse Practitioner
Obstetrical Services
Open Access
Out- of- Network
Out- of- Pocket Expense
Outpatient Procedures and Services
Participating Provider
Patient's Bill of Rights
PCP See Primary Care Physician
Pennsylvania Health Care Cost Containment Council - PHC4
Per-Diem Rate
Physiatrist
Physical Therapy
Physician Assistant (PA)
Point of Service - POS
POS choices include: Policy Year
Portable Coverage
Post Partum
Pre-Authorization/ Authorization/Authorized Services
Authorization requirements can vary between insurance companies. In some case, pre-authorization may be needed before a patient is admitted to a hospital or before certain providers give medical care. Pre-certification
Pre-existing Condition
Recent Pennsylvania laws help to assure continued coverage when employees change jobs and obtain health insurance through a group health plan. Insurance companies may impose only one 12-month waiting period for any pre-existing condition treated or diagnosed in the previous six months. Prior health insurance coverage will be credited toward the pre-existing condition exclusion period as long as the person maintained continuous coverage without a break of more than 63 days. Pregnancy is not a pre-existing condition. Newborns and adopted children covered within 30 days of birth, adoption, or placement for adoption are not subject to the 12-month waiting period. If a person had group health coverage for one year (18 months for late enrollees), then switched jobs and went to another plan, the new health plan cannot impose another pre-existing condition exclusion period, provided there is no break in the coverage for more than 63 days. Individuals who meet certain criteria are considered an eligible individual and guaranteed the right to buy individual health coverage from Blue Cross and Blue Shield plans in Pennsylvania without a pre-existing condition exclusion period. To be an eligible, individuals must: Preferred Provider Organization - PPO
Premium
Prescription Drug Coverage
Prescription Medication
Preventive Care
Primary Care Physician - PCP
Prior Authorization
Probationary Period
Professional Review Organization (PRO)
Provider
Quality Assurance (QA)
Quality Improvement
Quality of Care
Quote
Referral
Registered Nurse (RN)
Renewal Date
Report Card on Health Care
Retrospective Review
Secondary Care
Self-Funding
Skilled Nursing Facility (SNF)
Small Group Plan
Specialist
Stop-loss Provision
Subscriber
Surgeon
Surgicenter
Tertiary Provider
Third-Party Administrator (TPA)
Transfer
Underwriting
Urgent Care
Usual, Customary and Reasonable Fee
Utilization
Vision Care Coverage
Waiting Period
Waiver
Wellness
Workers' Compensation
Work-Up
Which is a review of the appropriateness and necessity of care provided to patients prior to administration of care quizlet?(Utilization Review) A method of controlling health care costs and quality of care by reviewing the appropriateness and necessity of care provided to patients prior to the administration of care or after care has been provided.
Which is responsible for reviewing health care provided by managed care organizations?Accreditation: a systematic review of a managed care plan by one of three private, non-profit agencies (the National Committee for Quality Assurance, the Joint Commission on the Accreditation of Health Care Organizations, and the American Accreditation HealthCare Commission/Utilization Review Accreditation Commission).
What is utilization review?Utilization review (UR) is the process of reviewing an episode of care. The review confirms that the insurance company will provide appropriate financial coverage for medical services. The UR process and the UR nurse facilitate minimizing costs.
Which is a review of the appropriateness and necessity?Utilization management (UM) is the evaluation of the medical necessity, appropriateness, and efficiency of the use of health care services, procedures, and facilities under the provisions of the applicable health benefits plan, sometimes called “utilization review.”
|