When is a preauthorization/referral required?

Preauthorization, also known as prior authorization, is a process used by insurance companies to determine if a particular service, treatment, or medication will be covered under your insurance plan. The process involves your healthcare provider submitting a request to your insurance company before you receive the service. This request outlines why the proposed treatment or service is medically necessary. If the preauthorization is approved, your insurance company agrees to cover the costs. However, it's crucial to understand that approval does not necessarily guarantee that your insurance will cover the entire cost, as factors like co-pays and deductibles may still apply. 

Most insurances do NOT require a prior reauthorization 

Most of the time, prior authorization is NOT required for mental health services with Overcomers Counseling.  However, upon booking a session with us, our support team will verify your benefits to determine if a prior authorization is required. 

Prior authorization is required for Tricare Primary Active Duty Members (IP is the military personnel)

If you have Tricare Prime Active Duty and the active duty personnel is the IP (identified patient) then a prior authorization is required when seeking counseling from a civilian provider such as Overcomers Counseling.  However, family members of the Active Duty member do not need prior authorization.