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← Return to Back Surgery, and who pays?
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@1634517678, I'm not sure if you have looked at what is covered by Medicare or Medicare Advantage plans. Here's some information I found that may provide some information and gotchas to watch for.
Is my test, item, or service covered? Surgery: https://www.medicare.gov/coverage/surgery
Medicare - Does Medicare Cover Back Surgery?: https://www.medicare.org/articles/does-medicare-cover-back-surgery/
Medicare Advantage - Does Medicare Cover Back Surgery?: https://www.medicareadvantage.com/coverage/does-medicare-cover-back-surgery
How to Pay For Surgery Costs That Insurance Won't Pay: https://www.verywellhealth.com/how-to-pay-for-surgery-costs-without-insurance-3157020
Replies to "@1634517678, I'm not sure if you have looked at what is covered by Medicare or Medicare..."
Thank you John. That's great and certainly 99% more than I had to work with yesterday. Medicare and SSD is all that I have other than a place to live. I've read through some of what you sent and know I might have some questions before making contact with someone. If you are the best mentor to answer those questions, should I do that here, the same as today? Would I need to ask for you?
@migizii I found this information interesting, but it did not include Medicare with supplemental coverage......would you know anything about that?
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I would add - if insurance says they cannot/will not pay for certain costs, DO NOT give up! That is exactly what they are hoping you will do! They just hope you say it’s not going to be worth arguing for and go away. Both as a former RN and as a patient, I know this. I literally had to argue for the better part of 9 years for several different procedures and surgeries - all out of “network” because no MD in my network was capable! I seriously thought I might have to remortgage my house. I just kept pointing out their arguments held no water - a jaw joint IS a joint, after all! and said I would appeal to the State Insurance Commissioner if necessary. It was exhausting to do so in the midst of the chronic pain. But I just kept going and each time their review committee would acquiese and finally agree to pay.