Re: Re: Feng Patient---surgery is paid in advance--CONTEXT

[Guest guest]

Jade,

Hi. Evidently, you did not read my prior posts in this thread.

YOU HAVE INSURANCE and your doctor's staff made sure your insurance was going to cover costs PRIOR to the surgery, correct?They got PRE-APPROVAL,right? That's the same as being paid--the check is coming.The venue for your explant has been established, so in essence, payment is on it's way--same thing. That is not what I was talking about in the CONTEXT of Dr. Feng (not accepting insurance) and cosmetic removal of implants (as in my case).

I will explain the context of my statement regarding payment for surgery in advance IS indeed a reality is based upon the following premise : 1. A doc who does not file insurance--you must self pay UP FRONT and then FILE THE CLAIM YOURSELF to your insurance company for reimbursement as in the case with Dr. Feng. In this case you pay in advance.Fact.

2. If your explant is done for a COSMETIC reasons (you're not sick), YOU PAY UP FRONT SELF PAY(unless some doctor allows you to make payments to them, I've never heard of this, but who knows--if they're out there, they're an exception to the rule).

I know of no US insurance company who covers plastic surgery for strictly COSMETIC purposes, there has to be trauma, illness or congenital defect( for example,children with cleft palate, burns, illness from implants not simply wanting them out, bkone nose, I could go on but I won't).Fact

3. Some finance loan companies will lend patients money for PS costs, however, those patients must qualify and the loan company must approve the loan and pay the surgeon PRIOR to surgery then from there, patients pays on revolving loan company back--not the doctor.

I know of NO doctor's office in the US who does not make certain of the venues established for payment are not employed-- be it via health insurance, loan company or direct payment from patient the insurance company is going pay BEFORE they do the surgery.It's a fact of life.

If you know of a doctor who will allow people to pay after surgery, please share with us, I'd find this very interesting.jadebreaks <jadebreaks@...> wrote:

> Surgery must be paid in advance--that is a fact of life. It's not a fact of life because I just had explant surgery and didn't pay a dime for it! They are filing on my insurance.Jade

[Guest guest]

I think this has gone on long enough. Why is it that someone has to win

this? Probably there is some right in everybody's ideas, and it comes from

each one's experience. Please let it drop.

Lynda

sAt 08:19 PM 5/30/2004, you wrote:

>--- In , Jane Doe <oceanlilly_csu@y...>

>wrote:

> > Jade,

> > Hi. Evidently, you did not read my prior posts in this thread.

>

>Evidently you did not read mine or you just flat ignored it!

>

> > YOU HAVE INSURANCE and your doctor's staff made sure your

>insurance was going to cover costs PRIOR to the surgery, correct?

>

>I don't think so because I just got notification from my insurance

>company that they denied my claim.

>

> > They got PRE-APPROVAL,right?

>

>Apparently not!

>

> > I will explain the context of my statement regarding payment for

>surgery in advance

>

>You can explain all you want to about YOUR doctor and YOUR

>insurance. Please let me explain about MINE. I paid for the lift

>but did not pay for anything else. My doctor's office said they

>would work with my insurance company on payment. My insurance

>company denied the initial claim. I assume my doctor's office will

>try again. If they don't get payment, I will work out a payment

>plan. End of story!

>

>Jade

>

>

>

>

[Guest guest]

Hi Jade!

LOL. So you DID pay for the lift(cosmetic part of surgery) and the doctor's office is still working things out with the insurance company(explant medical part)?So to say nothing has been paid is not quite accurate. Yes, I'm surprised your doctor did not get this straight prior(insurance payment), but still, for the cosmetic end of it, you had to pay, just as I thought. That was my point--well most of it.

The important thing is you got your explant, you're happy and I think your doctor is really nice to be working out payments should it come to that. This is rare.Hopefully your insurance will indeed cover this explant

I had this really sh***ty health insurance company who for ONE YEAR refused to pay on the claims I made that were wholly legit. They were cheap and just wanted to get out of paying--pure and simple. Anyway, when they refused to pay, I contacted the Insurance Commissioner Board in my state. Guess what,within two weeks of the insurance company receiving my complaint from the Commissioner's office they paid EVERYTHING!!Prior to me contacting the Commissioner, it was a battle and struggle. That's what they want to do, refuse to pay and hope you go away and get lost.

Look over your policy, if implants removal due to illness in in your contract, contact your commissioner and see how fast these geeks pay. It worked like a charm for me.Good luck!

LMjadebreaks <jadebreaks@...> wrote:

> Jade,> Hi. Evidently, you did not read my prior posts in this thread.Evidently you did not read mine or you just flat ignored it! > YOU HAVE INSURANCE and your doctor's staff made sure your insurance was going to cover costs PRIOR to the surgery, correct?I don't think so because I just got notification from my insurance company that they denied my claim.> They got PRE-APPROVAL,right? Apparently not!> I will explain the context of my statement regarding payment for surgery in advance You can explain all you want to about YOUR doctor and YOUR insurance. Please let me explain about MINE. I paid for the lift but did not pay for anything else. My doctor's office said they would work with my insurance company

on payment. My insurance company denied the initial claim. I assume my doctor's office will try again. If they don't get payment, I will work out a payment plan. End of story!Jade