I need nose/sinus surgery because I couldn’t breath. Doctors said the scan showed so many things wrong, he said it would help my quality of life even with the possibility of 50% of the problems reverting. During surgery he found I had also fractured my nose at some point. I called insurance and the hospital also ensured me every procedure was covered. After surgery I found out everything was only covered about 50%. I could have flown to another country with comparable healthcare, paid out of pocket for surgery, stayed for a week of recovery, flown back, all for about the same cost.
Insurance companies are a cancer. Unfortunately there’s no definitive way for either an insurance customer or the hospital/clinic to ensure 100% ahead of time that something will be covered. Even insurance companies own pre authorizations, which you’d think would be a guarantee of coverage before you have something done or get a medication, specifically state there’s no guarantee of coverage with this.
I need nose/sinus surgery because I couldn’t breath. Doctors said the scan showed so many things wrong, he said it would help my quality of life even with the possibility of 50% of the problems reverting. During surgery he found I had also fractured my nose at some point. I called insurance and the hospital also ensured me every procedure was covered. After surgery I found out everything was only covered about 50%. I could have flown to another country with comparable healthcare, paid out of pocket for surgery, stayed for a week of recovery, flown back, all for about the same cost.
WTF
Insurance companies are a cancer. Unfortunately there’s no definitive way for either an insurance customer or the hospital/clinic to ensure 100% ahead of time that something will be covered. Even insurance companies own pre authorizations, which you’d think would be a guarantee of coverage before you have something done or get a medication, specifically state there’s no guarantee of coverage with this.
It’s definitely WTF.