For some, part of having an HMO is securing a letter of approval (LOA) for laboratory tests requested by doctors to help them diagnose health problems accurately. These tests include blood tests, urinalysis, chest x-ray, among others.
A letter of approval basically confirms that such tests are indeed part of a member’s HMO coverage and authorizes the diagnostic clinic to proceed with the requested tests. However, securing an LOA may mean going through a process that can be slow and inconvenient sometimes: A medical attendant gets your card, then calls the HMO provider to advise them of the laboratory test that needs to be done. Afterwhich, the patient waits for the approval.
