Question about pre-authorization for MGB marketplace plans in MA

My husband and I are thinking about options for MA ACA/Marketplace health insurance next year. We want to be on an MGB plan. We are fine with paying more out of pocket (higher deductible) in exchange for lower premiums, but as far as I can tell the higher deductible plans require pre-authorization in situations where the lower deductible/higher premium plans do not. Our current and previous plans did not have pre-authorization requirements so this is a new consideration for us. How much of an issue is this? Is it just a matter of a bit more paperwork, or is it a lot more paperwork/arguing/appealing, or do they tend to deny treatments that would be approved on the lower deductible/higher premium plans? Are there problematic delays in getting approvals? Are there other considerations we should keep in mind?

We are middle aged and currently fairly healthy, but… well, we’re middle aged (mid-50s)

Thanks for any info or advice!

submitted by /u/NoRiver_9356
[comments]