Insurance coverage and Surgery

[katgirl74]

I've heard from my insurance company that they approve it on a case by case basis. I'm waiting to hear back from them if I am approved. However regardless of if they do or dont pay for it, i'm still going to be screwed. I've chosen Dr. Bowers to do my surgery as her office works with insurance companies now (not mine) but unless they send her payment in full before the surgery I will have to pay most of her fee out of pocket (not going to happen since I doubt I will ever have it) and then get reimbursed minus what owed after I send the claim to insurance........

That is one of my concerns, surgeons are still operating in the dark ages of SRS when it comes to insurance coverage. As more and more companies start covering this, I hope the surgeons will start to follow suit. My company covered my surgery, but I still had to cash out a retirement plan to pay up front and get reimbursed based on the usual in network out of network limits. In the end I got about 11K of the 18K I paid. Now, I also have to face the fact that the benefit is reported as income so I get a tax hit on it as well. One day everyone will come out of the dark ages.

[Tippe]

If anyone has had it covered, please let us all know along with what you had to do in order for the insurance company to pay up. Thanks!

This insurance case from Switzerland may interest you

Switzerland drops 2-year therapy as surgery-requirement
http://www.tgeu.org/node/148



Tippe