What insurance products are out there for those with possible retinal detachment. (medical, plan)

[howard555]

What insurance products are out there for those with possible retinal detachment.

[lenora]

Originally Posted by howard555

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.

[NSHL10]

Kind of late to buy it now. Enrollment is over for the year for the individual market.

[Ariadne22]

Retinal detachment often requires surgery. Any compliant health insurance plan should cover the services with the appropriate deductibles, copays, etc.

[howard555]

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.

[Jkgourmet]

Originally Posted by howard555

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!

[howard555]

Originally Posted by Jkgourmet

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!

Nope emergency laser surgery both eyes for detached retina.
Insurance then was Medicare part A. Rest paid out of pocket.


Now very, very intermittent symptoms which could be retina related.
Medicare part A won't cover it.
Will Medicare part B?


Outside of Medicare we see Medicare Advantage policies which claim to give dental and vision insurance. We have not checked with them yet.

[Jkgourmet]

Originally Posted by howard555

Nope emergency laser surgery both eyes for detached retina.
Insurance then was Medicare part A. Rest paid out of pocket.


Now very, very intermittent symptoms which could be retina related.
Medicare part A won't cover it.
Will Medicare part B?


Outside of Medicare we see Medicare Advantage policies which claim to give dental and vision insurance. We have not checked with them yet.

Please accept my apologies for my incorrect assumption. I feel like an as$.

Yes, Medicare b should cover this.

https://www.medicareinteractive.org/...cover-eye-care

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.)

Fingers crossed for your eye.

[Ariadne22]

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.

[agilpro]

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.