This is the best place for you to start your search for an insurance company that will cover your breast surgery. Most of the people who are reading this will undoubtedly already have coverage of some kind or another. It's not so much about finding a good company that will cover your reduction as it is finding out how to make sure they actually cover you for all of your surgery. We're about to walk you through a step by step process for making sure that you do not get denied coverage. Here is the procedure for a breast reduction from top to bottom.
There are so many costs involved in going through the breast reduction process. Not only do you have to take time off work to get through the healing, which means you don't get paid, but you'll have to pay for the operation its self. This can be a small amount for cosmetic surgeries like nipple reducing or it can astronomical for larger operations, ranging up to $5000 and more.
There are two ways to contact your provider to find out what the requirements are for getting reductions covered for your breast needs. One of them is phoning, this is a great way to get information right away without having to give over your name and account number. Simply phone them up and ask about the requirements in grams for full payment. It will most likely be around the 400 gram level.
The other way is to write them a letter requesting the information. This can have a couple of negative effects, one of them being the fact that you have to give over your return address and then can look this information up. Why is this really a bad thing? Simple, they now know who you are and that you're looking to get covered for a breast reduction and that's going to cost them money. Two is that it takes a long time for the letters to get back and forth through the mail. Mail also doesn't get the same kind of response priority as a phone call does, they can take their time in answering you back through letters.
Questions to ask over the phone:
Do you have full and part coverage for a breast reduction?
This is important to know because if you only require a smaller amount of tissue to be removed you may only qualify for partly covered.
What are the requirements for getting fully covered?
They should tell you everything you need to know here including whether or not they need doctor's letters to be sent over with the original signature on the letter. Make sure that they also tell you the size in grams that must be removed for both part and full coverage.
Do they send the payment to the Doctor and does it have to be a specific doctor?
Some companies will only allow the process to go through certain doctors. What a waste of time that would be if after visiting your own doctor and getting the letters sent in and all of a sudden they say you can't go through your doctor. Now you'll have to do it all over again with "their" doctor and it may be harder to get things going. There can always be delays like this, don't let the companies have control.
Unless you're will to try methods without surgery getting a company to pay for your operation is the only way to go.
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