Ask whether a favorable decision would authorize a service, pay a claim, or both. Confirm the approved dates, provider or facility, level or category of service, network status, applicable deductible, copayment or coinsurance, and whether separate professional, pharmacy, laboratory, or other charges could be reviewed independently. Request an explanation of benefits or written cost calculation when available. Authorization is not the same as a guarantee of payment.
If the plan says a provider is out of network or the service is excluded, ask for the exact plan language and any available exception process. Ask whether there are in-network alternatives and how to obtain the current list, but independently confirm information with each facility and the plan. SAMHSA quality guidance supports asking about licensing, accreditation, evidence-supported care, medications when clinically appropriate, family involvement, and continuing-care planning. An insurer directory entry alone does not answer those quality or fit questions.
- Whether approval concerns authorization, payment, or both
- Authorized dates and exactly what service description applies
- Network status and member cost-sharing in writing
that may receive separate review or billing
or network-exception process, if one exists