Question - Initiating Insurance Claims

[Guest guest]

Hi all,

I had my first appt. with the OS a few weeks ago, and he sent me to

an OD to get started on the braces. It's going to be an 18+ month

process for me, and the braces cost is coming out-of-pocket. I meet

with the OD again tomorrow to talk $$ and the plan. In the

meantime, my OS was supposed to have written a letter to the

insurance company to try and initiate approval for the surgery.

Question is...should I wait until I hear from the OS/Insurance

Company to get the braces put on, in case they don't cover the cost

of surgery? Can you guys throw me some total-cost numbers of what

it might be if I had to pay surgery out-of-pocket? (He was talking 4

procedures - 2 upper, 2 lower.)

If it's too much and I can't afford it...then there's no use of

getting the braces, I suppose. My OS assured me he didn't think

there'd be a problem with them covering it, but I don't want to get

ahead of myself, but at the same time I'm antsy to get the show on

the road!

Also, how long should it take to hear back from the insurance

company? I don't want to harass my OS office, but I'm curious as to

if he's sent the letter yet and when to expect a response.

Thanks!