If you’re covered by an HMO plan, you’ve probably come across the term “LOA.” It sounds technical, but it’s actually straightforward once you know what to prepare and what to expect.
What is an LOA?
A Letter of Authorization is a document from your HMO that confirms they will pay for a specific medical procedure or consultation. This is your clearance to access services without paying out of pocket.
When Do You Need It?
If you’re getting lab work, an X-ray, or any outpatient test covered under your HMO plan, you need an LOA. Without it, your HMO cannot process the claim.
How to Request an LOA
- Visit your HMO-accredited doctor to get a medical request or prescription.
- Prepare your valid government ID, your HMO card, and the prescription.
- Submit your request through your HMO’s app, email, or through the diagnostic center’s online form.
- Wait one to two working days for approval.
- Once approved, you’ll receive a notification via text or email.
Some clinics, like Exact Check, have an online LOA request form where you can upload everything in one place. Others may still require in-person processing or coordination with the HMO directly.
Common Mistakes to Avoid
- Blurry or incomplete uploads
- Missing details such as birthdate or account number
- Expired prescriptions or LOAs
- Submitting too close to your test schedule
Pro Tip
Request your LOA ahead of time, especially if you need the test urgently. Keep a digital copy of your HMO card and ID on your phone for faster uploads when needed.
Final Word
Getting an LOA does not have to be stressful. Once you understand the process and prepare your documents properly, the rest becomes routine. Whether you’re booking with Exact Check or another clinic, these steps remain the same.