Recently I needed a lifesaving blood transfusion. This required an ER visit. Because I didn't get "prior authorization," I am now stuck paying the cost of the ER. I am 100% disabled, live on less than $1,200 a month, and have had most of the bills go over to collections because I simply cannot pay them in a timely fashion. I would like to know how someone is supposed to get "prior authorization" for a lifesaving ER visit.