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What happens if I don't get a pre-certification?
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Q: I need to have an MRI and my insurance company requires a pre-certification for this procedure. They will not pre-certify the MRI until I pay the premium.  I plan to pay it the end of this week, but I need the MRI prior to that..  Will they have to pay the claim?

A: If your insurance plan requires pre-certifications for specific procedures then they have the right to deny the claim if you or your provider did not get the proper authorization.  Some insurance plans have a pre-cert penalty and will pay the claim at a reduced benefit.   


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