The IBV Summary will outline if you require a referral or prior authorization for services. Your Financial Counselor can review this information with you and your insurance benefits should outline when a referral and/or prior authorization are needed.
Referral: A process through which the patients primary care physician, or other specified physician, permits or allows the patient to obtain service and treatment from another physician, or provider type.  The patient is responsible for obtaining a Referral. In the absence of a Referral, the patient will need to sign a waiver and will be charged at time of service.
Prior Authorization: A process through which the physician or other health care provider is required to obtain advance approval from the plan for a service. Unless specified, SGF will obtain Prior Authorization for the patient.