Prior authorization requirements and payer lookup

An authorization answer is not a coverage, eligibility, or payment answer. Substrate does not submit prior authorization requests.

What prior authorization means

Prior authorization, preauthorization, and precertification are names for the payer process in the HealthCare.gov glossary. Notification is a different label.

A decision by your health insurer or plan that a health care service, treatment plan, prescription drug or durable medical equipment is medically necessary. Sometimes called prior authorization, prior approval or precertification. Your health insurance or plan may require preauthorization for certain services before you receive them, except in an emergency. Preauthorization isn’t a promise your health insurance or plan will cover the cost.

HealthCare.gov preauthorization glossary

The glossary states why a plan asks for that decision. It also says the decision is not a promise the plan will cover the cost.

Prior authorization lookup

The first step is choosing a payer. This finder lists only guides that are published. Other payers stay on their directory profiles until a guide is published.

Anthem routing

Anthem prior authorization depends on the state and product. This finder does not publish an Anthem guide. Open the regional plan from payer lookup and use that plan’s official list.

Blue Cross Blue Shield routing

Blue Cross and Blue Shield prior authorization is plan-specific. Use payer lookup for the regional profile. One official routing page is Blue Cross and Blue Shield of Illinois utilization management.

Blue Cross and Blue Shield of Illinois utilization management

Published resources

Sources

Disclaimer

The information provided on this page is for general informational purposes only and does not constitute billing, coding, or reimbursement advice. Nothing on this page should be relied upon as a substitute for clinician assessment, professional billing guidance, or as a definitive statement of any payor's billing requirements or policies.

Payor agreements, fee schedules, and billing policies vary and are subject to change. Before submitting any claims related to maternity care services, including claims affected by the 2027 CPT code revisions, please consult the applicable payor agreements, coverage policies, and billing guidelines to confirm current requirements for their specific payor contracts.

Substrate makes no representation or warranty regarding the accuracy, completeness, or timeliness of the payor-specific information presented here. Providers are solely responsible for ensuring that all claims are submitted in accordance with applicable payor requirements, and Substrate assumes no liability for claim denials, underpayments, or other adverse outcomes arising from reliance on this information.