I'm cash pay BUT...will my insurance cover other stuff post surgery?

[LightlyMyDarling 5]

My husband's insurance plan will not cover any bariatric surgery, even with co-morbities, so I am doing a cash pay VSG.

Does anyone have experience with insurance covering complications AFTER surgery, hospital stay, post op office visits, etc?

I mean, can insurance deny ANYTHING related to the surgery or just the surgery itself? I assume prescriptions will be covered so that's a plus at least.

[5BeautifulDays 68]

I was self-pay (with insurance--Aetna PPO). They would cover any complications not *directly* related to the surgery. So if I had a stricture or a leak, that wasn't covered. If I had an allergic reaction to the anesthesia, that was. They covered all my pre-op visits, testing and prescriptions (but not Vitamins and such) and will continue to pay for labs. My follow up with the surgeon's office for the next year is covered under his fee.

I got complications coverage through BLIS for the portion that wasn't covered by Aetna.

[luckyone5 22]

How do you get complication coverage?

[5BeautifulDays 68]

How do you get complication coverage?

Look up BLIS. They actually insure your surgeon, so you have to use a surgeon who is part of their program. The good news is that they have a vested interest in only insuring surgeons with a very low complication rate.

[Jersrose43 837]

Yes many insurances will review what you are claiming and if it's related/causation from a non covered event- those are also denied.

I would purchase a secondary policy. Try obamacare. Open enrollment is quickly approaching.