If an insurance policy terminates during treatment, what must be done with the new policy?

When an insurance policy terminates during treatment, it is critical to address the new policy to ensure that any ongoing treatment remains covered. Verifying the new policy involves confirming the details of coverage, including benefits, exclusion, and conditions, which may differ from the previous policy.

Authorization is necessary because treatments or services that were approved under the old policy may not automatically be authorized under the new one. Each insurance company has its own requirements and processes for prior authorization, and a new policy may have different limitations or criteria that need to be met. Therefore, obtaining authorization is essential to avoid unexpected costs or disruptions in the patient's care.

This necessity for re-authorization helps protect both the patient and the provider, ensuring that all services are covered under the terms of the new insurance policy.