Prior Authorization and Step Therapy are processes used by some health insurance companies to determine if they will cover a prescribed procedure, service, or medication. Prior authorization is an insurance requirement that your physician obtains approval from your health care provider before prescribing a specific medication for you or providing tests or treatment. Without prior approval, your health insurance provider may not pay for your medication or treatment. The intention of the process is to serve as a safety and cost-saving measure. Unfortunately, it can often result in confusion, delays and denials.