Before you can get certain healthcare services, a prescription drug, tests, health care service, or durable medical equipment, you may need to get preapproval from your insurance company. This is sometimes called prior approval or precertification. Your health insurance or plan may ask you to undergo preauthorization for certain services before you receive them, except it’s an emergency. If prior approval has not been obtained for the procedure, seeking medical help is not an insured event and is not covered by insurance. Keep in mind that preauthorization does not guarantee that your health insurance or plan will cover the cost.