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Hey Jack how you're doing of course needing a little more medical advice from your insurance rep buddy sure how can I help ah referrals and prior authorizations yeah they do get confused, but they're very different a referral is a recommendation from your health care provider to receive medical services from another healthcare provider or specialist a prior authorization or benefit certification means that certain medical services or pharmacy drugs need to be pre-approved by your healthcare provider in order to be eligible under your health plan so in the case with your hand surgery you've already been to the emergency room and followed up with an in-network health care provider, but now it sounds like you need some additional medical treatment your doctor does not specialize in this type of treatment and therefore must refer you to an in-network or out-of-network specialist who can perform the services this is the referral you need from your healthcare provider in order for the medical services to be covered on your health plan the specialist will review your medical situation and decide what type of procedure needs to occur to get your hand back to full mobility once the best medical procedure is decided upon the specialist will need to obtain prior approval or sometimes called a benefit certification for your health plan before they can continue with the procedure your health plan requires prior authorization on selected procedures that are listed on your health plans website in order for the medical services to be covered without a prior authorization some medical services will not be covered under your health plans benefits, and you will be responsible for the entire amount owed and in some instances may incur a penalty fee since your healthcare provider is responsible for obtaining the prior authorization it is always a good rule of thumb to consult your health care provider before you make medical decisions on your own and my daughter just ate one of your referrals
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