What insurance products are out there for those with possible retinal detachment. (medical, plan)
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
What insurance products are out there for those with possible retinal detachment.
I'm not sure what you are asking. A retinal detachment is a true medical emergency. I think the question is what health insurance product would not cover the diagnosis and treatment of a retinal detachment.
Retinal detachment often requires surgery. Any compliant health insurance plan should cover the services with the appropriate deductibles, copays, etc.
The choices at the moment are Medicare part A and part B.
The last time we looked at B in the booklet we saw B covered only cataract.
I had laser eye surgery on both eyes long ago and I do not remember where the surgery was done. It was not in the doctors office so it had to another facility or the hospital.
The choices at the moment are Medicare part A and part B.
The last time we looked at B in the booklet we saw B covered only cataract.
I had laser eye surgery on both eyes long ago and I do not remember where the surgery was done. It was not in the doctors office so it had to another facility or the hospital.
Let me understand this: you paid for elective laser surgery to avoid wearing glasses but you don't pay for a Medicare supplemental plan?
In any event, a detached retina is absolutely an emergency. Get your butt to the doctor or emergency room!
PLEASE do go get this taken care of today. You don't want to wait until Monday!
One warning about Medicare Advantage programs: You cannot choose your doctors. It's like a HMO that way. And in MANY parts of the country the doctors that accept MA are few and far between. And if you travel. . . Compare to a Plan F supplemental coverage and shop around different companies (including USAA which does sell Medicare supplements to everybody, not just USAA members. The plan offered by AARP is good, too.)
Because he is outside the annual open enrollment period, OP's Advantage coverage wouldn't begin until January 1, 2018, earliest. For now, Part B is his only option with attendant copays - unless he decides to purchase a Medigap to cover the 20% not paid by Medicare. Medigaps can be bought at any time but, depending on the state, insurers can require health underwriting for those outside the Medigap initial enrollment period.
If you have a retinal detachment or a possible one, go to the doctor to find out one way or another. If you do have one talk to the doctor, hospital, etc. where you will have the procedure and find out how much it will cost if you pay your share in cash. My sister in law had back surgery and when she asked the hospital how much the operating and recovery rooms would be if she paid cash, the price went from $70k down to $6k. It never hurts to ask or negotiate.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.