Elective insurance coverage

freddie8_8 · February 22, 2015

Both my health plans don't cover bariatric surgery. My state doesn't mandate bariatric coverage. As a result I am looking at going with Corvala at hospital angeles in Tijuana. If I have post op complications I believe my two health plans won't cover post op complications. Does anyone know of separate insurance policies I could buy that would cover post op elective surgery complications for vsg,

freddie8_8 · February 23, 2015

Here is another company with the type of insurance policy I'm referring to and there are several other companies that offer this coverage. What put me onto this is that Dr. Kelley who is a bariatric surgeon in Tijuana does VSG surgery sometimes at Hospital Angeles and other places in the TJ area offers Medical Tourism insurance as part of his package for an extra 250 dollars. It seems to me that it would be money well spent to have this coverage in case I get back to the u.s. and develop vsg related complications. I have a feeling my primary and secondary health insurance companies in the u.s currectly covering me would give me a hard time about paying for any complications related to an elective vsg. i would have better piece of mind having surgery in Tijuana if I had a policy like this to cover large unforseen medical bills due to vsg complications when i get back to the u.s.

https://www2.sevencorners.com/medical-tourism-insurance/

MEDICAL TOURISM INSURANCE

Why Buy Medical Tourism Insurance?

Whatever the reason you decide to pursue Medical Tourism, complications are always a possibility. When a medical procedure is performed abroad, there is normally no insurance coverage to protect you if you have complications.

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Maximum Trip Length: 60 days

Bordercross Worldwide Key Highlights:

Medical Complications

Up to $50,000

Trip Cancellation

Up to $40,000 for you and your traveling companion for travel accommodations, including non-refundable expenses paid to the medical facility scheduled to perform the procedure, in the event you need to cancel your trip prior to your scheduled departure date

Medical Coverage

Up to $50,000 for acute illness and injuries for you and your traveling companion, which may arise on your medical tour

Medical Evacuation

Up to $100,000

Coverage

Available for medical procedures performed outside the United States

Travel Assistance Services

Included- Available 24/7/365

Underwritten by Certain Underwriters at Lloyd’s of London.
Virtual ID cards available immediately after purchase.
View the Bordercross WorldwideSM Brochure for details, restrictions and the schedule of benefits.
View the Bordercross WorldwideSM Program Summary for full details and restrictions.

freddie8_8 · February 24, 2015

what caused me to look into this elective insurance option is I noticed that Dr. Kelley in Tijuana offers the cover for $250 but I later found out it only covers complications during surgery or while you are recovering in Mexico. It does not cover complications when you return to the U.S. I'm signed up with Corvala at Hospital Angeles. They said that they have looked hard for insurance to cover post op complications but haven't been able to identify any policies that would make sense for patients. That caused me to look at my own health insurance policy fine print. I am fortunate to be covered by two health plans but neither covers bariatric surgery. The first plan is silent as to whether it would cover post bariatric surgery complications. The second plan does cover post surgery complications for elective surgery but I had to dig through the fine print to find it and the insurance company rep I spoke to orignally gave me the wrong answer over the phone and I had to correct her leading to her eventually agreeing with me. If you are going to have elective bariatric surgery and are under a health plan you may want to check to see if your plan will cover post op complications(i.e. leaks or strictures) from elective surgery. If it doesn't cover post op complications and you are one of the unlucky ones that develops complications it could obviously lead to very large out of pocket medica bills.