Which factor could hinder the process of submitting a prior authorization through a payer portal?

The process of submitting a prior authorization through a payer portal can be significantly hampered when patient health records are not electronic. Non-electronic health records often require more time and effort to gather and submit information as they need to be converted to a format suitable for electronic submission. This might include manually transcribing information, which increases the risk of errors and delays in the authorization process. In today's healthcare environment, electronic records streamline communication and data exchange, making it much easier to submit necessary documentation promptly and accurately. Therefore, having non-electronic health records can create barriers to timely and efficient prior authorization submissions, hence making it the correct response to the question.

In contrast, complete electronic records, access to patient information, and clear insurance guidelines would all facilitate the process rather than hinder it, allowing for quicker and more efficient submission of prior authorizations.