Patient and Consumer Protections

Prior AUthorization

The Public’s Views and Experiences with Prior Authorization

Following a pledge by insurance companies to reduce the burden of prior authorizations, KFF’s Health Tracking Poll examines the publics experience with the process. The poll finds that most view insurers’ delays and denials as a problem, and few are aware of the newly announced pledge.

Medicare Advantage Insurers And Prior Authorization Determinations

Nearly 50 million prior authorization requests were submitted to Medicare Advantage insurers on behalf of Medicare Advantage enrollees in 2023, of which 3.2 million (6.4%) were denied. Just 11.7% of denied requests were appealed, though 81.7% of appeals overturned the initial denial in Medicare Advantage.

KFF issue brief on Prior Authorization Process Policies in Medicaid Managed Care: Findings from a Survey of State Medicaid Programs

Prior Authorization Process Policies in Medicaid Managed Care

This brief examines state policies related to prior authorization processes in Medicaid managed care and includes findings about how states approach prior authorization decision timeframes, electronic denial notices, and access to external medical reviews, all as of July 1, 2024.

Other Issues

Health Care Debt In The U.S.: The Broad Consequences Of Medical And Dental Bills

The KFF Health Care Debt Survey finds that four in ten adults have some form of health care debt, with most citing one-time or short-term medical expenses as the contributor. Many of those with health care debt report making personal sacrifices and enduring financial consequences as a result of their debt, while nearly one in five think they will never be able to pay off.

Claims Denials and Appeals in ACA Marketplace Plans in 2023

This brief analyzes federal transparency data released by the Centers for Medicare and Medicaid Services (CMS) on claims denials and appeals for non-group qualified health plans (QHPs) offered on HealthCare.gov in 2023. It finds that HealthCare.gov insurers denied nearly one out of every five claims (19%) submitted for in-network services.

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  • Before New Ban, the Prevalence of Surprise Bills

    Feature

    Patients with certain conditions appear to be at higher risk for receiving surprise bills. They should be aware of new federal protections against surprise bills and know how to seek out help if they have improperly received one.

  • No Surprises Act Implementation: What to Expect in 2022

    Issue Brief

    The “No Surprises Act,” which establishes new federal protections against most surprise out-of-network medical bills when a patient receives out-of-network services during an emergency visit or from a provider at an in-network hospital without advance notice, will take effect next month. A new KFF brief outlines what to expect in 2022.

  • Few Adults Are Aware of Hospital Price Transparency Requirements

    Issue Brief

    This data note for the Peterson-KFF Health System Tracker shows that few Americans realize that starting this year hospitals are required to post prices of common health services on their websites in a format patients can access and use.

  • Ground Ambulance Rides and Potential for Surprise Billing

    Issue Brief

    This analysis for the Peterson-KFF Health System Tracker finds that half of emergency ground ambulance rides result in an out-of-network charge for people with private health insurance, potentially leaving patients at risk of getting a surprise bill.

  • COVID-19 Test Prices and Payment Policy

    Issue Brief

    This analysis examines list prices for COVID-19 testing at the largest hospitals in every state and finds they range widely from $20 to $850. Federal law now requires private insurers to cover COVID-19 tests at no cost to the patient and provides funding for people without health insurance.