I know that I should contact my insurance (HBCBS NJ) for the most accurate answer, but I’m curious about your own stories.
If you paid out of pocket because you could not get insurance to cover a surgery (and insurance deemed it as cosmetic), but then had complications that were medically necessary to address, did insurance help pay for the complications that were medically necessary to address (like skin necrosis or an allergic reaction to tape, stitches, etc.)?
In the scenario where you paid out of pocket, were there complications that insurance did NOT address? What were they? How much did they cost?
I am 2 months into a 6-month process of seeing a doctor every single week to prove to my insurance that this surgery is medically necessary. My doctors all agree that 6 months of doc appts is NOT clinically backed and wastes everyone’s time and my money. However, I’m terrified at the idea of paying out of pocket ($7000) and then also paying for complications if they arise. That could easily add several thousand to the total cost, and I have heard horror stories of this surgery costing $25000 with complications out of pocket. If that happened to me, my life would be ruined.
Hope it helps to know where I’m coming from.
I’m young, healthy, not on any serious medication, don’t smoke/drink, so therefore don’t expect complications. However, I have hardly any money and doubt I’d get approved for a loan. So it worries me to take the financial risk. When paying through insurance, at least I can get put on a payment plan if needed. But if I pay out of pocket, I owe everything at once at my surgeons office (and I really like my surgeon).
Thank you for your time in reading and answering!
submitted by /u/AccomplishedAcadia59
[link] [comments]I know that I should contact my insurance (HBCBS NJ) for the most accurate answer, but I’m curious about your own stories. If you paid out of pocket because you could not get insurance to cover a surgery (and insurance deemed it as cosmetic), but then had complications that were medically necessary to address, did insurance help pay for the complications that were medically necessary to address (like skin necrosis or an allergic reaction to tape, stitches, etc.)? In the scenario where you paid out of pocket, were there complications that insurance did NOT address? What were they? How much did they cost? I am 2 months into a 6-month process of seeing a doctor every single week to prove to my insurance that this surgery is medically necessary. My doctors all agree that 6 months of doc appts is NOT clinically backed and wastes everyone’s time and my money. However, I’m terrified at the idea of paying out of pocket ($7000) and then also paying for complications if they arise. That could easily add several thousand to the total cost, and I have heard horror stories of this surgery costing $25000 with complications out of pocket. If that happened to me, my life would be ruined. Hope it helps to know where I’m coming from. I’m young, healthy, not on any serious medication, don’t smoke/drink, so therefore don’t expect complications. However, I have hardly any money and doubt I’d get approved for a loan. So it worries me to take the financial risk. When paying through insurance, at least I can get put on a payment plan if needed. But if I pay out of pocket, I owe everything at once at my surgeons office (and I really like my surgeon). Thank you for your time in reading and answering! submitted by /u/AccomplishedAcadia59 [link] [comments]Read Morer/HealthInsurance