How does prior authorization work on a private PPO?
Prior authorization is a private health plan's requirement that a provider get approval from the insurer before certain services, drugs, or equipment will be covered, and failure to obtain it can lead to a denied claim (HealthCare.gov Glossary — Prior Authorization).
Reviewed by Jason Burns, Editor & Steward · Last verified 2026-07-19
What it means
- Common items requiring prior authorization include advanced imaging, specialty drugs, and non-emergency inpatient care.
- Approval is coverage-based, not a guarantee of payment.
Action steps
- Ask the ordering provider to confirm prior authorization is on file before the service.
- Keep the authorization number with your medical records.
Risks & deadlines
- Emergency care generally does not require prior authorization.
Sources
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