Combination of Medically Necessary and Cosmetic Surgery - Who Pays for What?

When a medically an procedure (plastic Surgery maybe otherwise) is performed at the same time as a Cosmetic idea, there is frequent confusion or misunderstandings on the part of many patients. A good example really are a hysterectomy with a tummy tuck. Many patients assume that a 'portion' of the Cosmetic the method will be covered since they are asleep anyway and their health insurance is already building the operating room expenses knowning that anesthesiologist's time. But by which perception is wrong.... and actually fraudulent in nature.

Your health insurance always should and is paying as long as that it takes to cover medically part of the treatment. Once that portion of the procedure is completed, the start and stop times of the idea are recorded, and the health insurance contributions to over a combined procedure are accomplished. Any additional time for the Cosmetic part of the joint Procedures is the one you select. No one will just forget it goes on... particularly the operating room personnel which are scrupulous about recording what operations are done by whom and if they're. Asking or assuming how the hospital/Surgery center will just request the total operating amount of (including the Cosmetic part of the procedure) to the insurance company will not happen. What you really are assuming or asking is called... fraud. Knowingly billing an insurance company for operations that are not covered under the policy are probably fraudulent behavior. Which no reputable medical center or Surgery center will do and risk significant criminal and monetary damages. Any Surgeon that would tell you otherwise is at naive or disreputable.... either way you place yourself within to significant financial exposure. In the end, the hospital or Surgery emphasis will bill you... at rates that will be significantly higher than any pre-established Cosmetic Surgery the pricetag. (often by a contributor of 5 to 10 fold)

For and then reasons, all of the non-insurance expenses of a combined Cosmetic-insurance procedure as an example the Surgeons, operating room, and anesthesiologist time are driven and collected in advance. This is not precisely the ethical and correct legal plan but also puts a known cap on what your Cosmetic expenses might be. You never want to expose your personal finances going at a non-Cosmetic costs (insurance rates) of Surgery.

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