Private Insurance Paying for Complications Post Op ???

[coltonwade 27]

I am not banded yet , We are in the process of getting private insurance as well. Here is my question... How do i find out with out "giving away too much info " if the insurance I want to get will pay for complications post op if i have my surgery and im self pay . In other words, Im going to be self pay , I'll get my insurance before getting ANYTHING done in regards to the surgery , that way they cant say it was a preexisting condition. Then If something goes wrong later on , how do i find out if they will cover it ?

I knwo some insurances will cover it if its 90 days post op . I have the info booklet here , im just not sure what to look under.

Thanks

Mindy

[Alexandra 55]

The key words here are "medically necessary" and "emergency." Insurance, if it's any kind of responsible coverage, will pay for medical care any emergency situation no matter what the cause. It probably won't cover fills if it didn't cover the band in the first place, but if you're having a serious complication it should cover the steps to correct it.

That said, it's unlikely that you'll ever experience that sort of situation related to your band. Will your insurance pay for removal if you have erosion? That might depend on the light in which your doctor casts the necessity of removal at the time it happens.

You could call and ask the carrier what their approach would be if you had another sort of implant, a breast implant or something like that, and it ruptured. Would the cover the medical care in that situation?

[coltonwade 27]

Thanks Alexandra for taking the time to answer my question . That is sort of what i figured that as long as it was an "emergency " situation it should be covered.

I will see if i can call and get an answer with out giving my personal info.

Thanks again

Mindy