It is a good idea to check your insurance coverage before you have shoulder surgery. You should be able to get shoulder surgery covered by insurance, since it is used to treat a medical problem. Your insurance coverage is the most important factor in determining what you will pay.
Types of Shoulder Surgery that are covered by insurance
There are two types of shoulder surgery. The doctor will make small incisions in the area where he will be operating and then insert a camera and other tools through the incisions. This allows the doctor to operate on the shoulder without having to open it. Conventional shoulder surgery involves making a large incision, removing skin and other tissues to reach the shoulder.
The recovery time for arthroscopic shoulder surgery takes much less time than open surgery and usually there is no need to stay in the hospital. Additionally, arthroscopic shoulder surgery is more affordable. Shoulder surgery should always be done arthroscopically if it is possible.
Insurance coverage
Shoulder surgery should be covered by your insurance. If you have PPO insurance, make sure you choose a doctor that accepts your plan. After you have provided your insurance information, your doctor will bill your insurance. Your doctor may advocate for the procedure to be covered if your insurance company refuses to cover it. However, shoulder surgery is usually not covered by this option.
Shoulder surgery should be covered by insurance. The terms of your insurance coverage will determine your out-of pocket costs. Higher deductibles mean you will pay more for the surgery. For more information about your insurance coverage for shoulder surgery, contact your provider.
How to Manage Your Out of Pocket Spending
There are many ways to manage your out-of pocket costs. You may be able pay your part of treatment if you have sufficient savings or a savings account for health care. You can apply for financing if your treatment costs are more than you can afford.