What is the primary benefit to the consumer of obtaining preauthorization for a non-routine procedure?

It confirms coverage ahead of time, preventing the consumer from receiving surprise bills for major services.

Preauthorization, also known as prior approval, is a consumer protection mechanism, although it requires action from the provider before care is rendered. For expensive, complex, or non-routine medical procedures, the insurer must review and approve the necessity and coverage before the service takes place. The primary advantage this offers the consumer is confirmation of financial liability; by receiving approval, the policyholder is assured that the service is covered according to the plan's terms. If preauthorization is neglected, even if the service itself is medically necessary and generally covered, the plan may refuse to apply the benefit, leaving the patient fully exposed to the entire cost of the procedure, resulting in a significant, unexpected financial burden.