Does insurance cover TJ.

It will depend on your insurance company. My son had an elbow issue (not TJ but like it). I had switched employers not long before it. Had I still stayed with the old company (Cigna insurance), it would not have been covered. With the new company (United Healthcare), it was covered. Cigna considered his proceedure unnecessary and exploratory. United never asked a question, even though it had to be redone as the first surgery didn't take. United's always been great for us.

TX
Thanks I was afraid a company might say it was exploratory. We have Aetna, supposedly their top program, so we will see.

We've had Aetna before and had similar good experiences as we've had with United. Best of luck. It will be important how your surgeon deals with them and codes it.

quote:

Originally posted by bb1:
TX
Thanks I was afraid a company might say it was exploratory. We have Aetna, supposedly their top program, so we will see.

"top program"

That's really the key here. Within ANY insurance company, there are different plans. One has to be careful when someone else says "**** will or won't do this". Each plan can be very different within an insurance company. I also think it would be very easy to get an exclusion or whatever the grounds were overturned. Not so easy to get a different network if the doc you want isn't in this network. However, some out of network physicians will work with you knocking off some or working with your insurance company to be participating.

If your insurance company does deny it.... be a very squeaky wheel and request backup from your doc on the issue.

The doctor works with the Colorado Rockies players and believe it or not is in the network. As a matter of fact my son ran into Jeff Francis in the office.

bb1,


Alot depends on your insurance but in my son's case our insurance covered everything even all of his rehab. Best thing is talk to your insurance company and also the surgeon.


Banditsbb