Is orthopedic surgery covered by insurance?
Cigna, Aetna, Blue Cross/ Blue Shield, Medicare, United Healthcare and Coventry Health Care insurance programs may cover the cost of your orthopedic surgery. Additionally, medical financing may help you afford orthopedic surgery if you do not have health insurance or if your current plan will not cover your surgical expenses entirely.
When you plan to undergo orthopedic surgery, you need to organize everything carefully and pay special attention to the cost of the intervention as well. The financial burden of such a procedure can be considerably eased by a health insurance company. If you decide to have orthopedic surgery, you should opt for a surgeon who accepts insurance coverage. This way, your bills will be covered from the very first appointment.
It is important to remember that it is your responsibility to contact the insurance company and request information and details regarding your benefits, as well as to provide them with your medical records and to ask the insurer to prepare all the documents your surgeon requested.
Thus, after you ask your surgeon about the costs, you should contact the insurance company in order to find out what exactly will be covered. You should know whether your plan covers the surgeon’s fee, the hospital fee, or the cost of the medical equipment you will subsequently use (sling, walker, crutches, etc.). In addition to the cost of the procedure, most insurance companies also cover the examination fees before and after the surgery, medication, and physical therapy.
The most common insurance companies accepted by the orthopedic surgeons at Cedars Sinai Marina del Rey Hospital are:
However, other insurance plans are also accepted.