Re: To Canadians - Insurance Coverage?

[Guest guest]

The only insurance coverage I got was for my orthodontic work and then the

province covered the surgery and hospital expenses. I had to pay a grand or

so out of pocket for the surgeon's office before the surgery but that covered

the x-rays before and after, him playing with the models and planning stuff

out. It also covered all my post-op visits and the elastics I got from their

office.

Never heard of insurance covering for days off work but if they do then I hope

you get at least two week's worth (enough time to get a tan while the swelling

goes down)!

> Hello,

>

> Just a quick questions to the Canadians on this forum and insurance

> coverage.

>

> I have collective insurance from Manulife and I am having a hard time

> getting a pre-approval from them before the surgery is done and the

> claim forms are sent in. If I agree to follow their process, I will

> only find out about my coverage after the surgery has been done.

>

> What has been people's experience in terms of getting coverage for the

> absence from work during the recovery period? Anybody can share their

> experiences on whether it was covered or not, how many weeks, who was

> the insurance company, etc?

>

> Thanks!

> RVM

[Guest guest]

Hiya!

I live in BC and was not able to get any coverage for the surgery.

MSP pays for the hospital, but I pay for the surgeon and

anesthesiologist. I am having upper, lower and genio at $4800. Its a

good price because the other surgeon who does this in BC would have

cost $9000. He's just a little more famous for his work. My guys

been at it for 15 years, so I am not worried a bout his ability.

I spoke to my Surgeon's office and they said that they havew never

had a client get covered for the surgery. I'm sorry if this is bad

news. It might just be a BC thing though. Keep trying.

Fay

> Hello,

>

> Just a quick questions to the Canadians on this forum and

insurance

> coverage.

>

> I have collective insurance from Manulife and I am having a hard

time

> getting a pre-approval from them before the surgery is done and

the

> claim forms are sent in. If I agree to follow their process, I

will

> only find out about my coverage after the surgery has been done.

>

> What has been people's experience in terms of getting coverage for

the

> absence from work during the recovery period? Anybody can share

their

> experiences on whether it was covered or not, how many weeks, who

was

> the insurance company, etc?

>

> Thanks!

> RVM

[Guest guest]

My husband has Manulife insurance (group insurance from his

employment). Perhaps you could call the toll free number and speak

to one of their representives. I call many times for info on his

coverage. If you have short term disability, I cannot see why they

would not cover you. Short term covers illness, accident, any

medical reason you are unable to work. This surgery is not

considered cosmetic here in Canada, so I can't see you being turned

down. Your employer should be able to help you find answers as

well.

My husband was off for five months following a subarachnoid

hemorrhage from a ruptured brain aneurysm four years ago. I was

given forms to be filled by his surgeon, and then sent them to his

employer to be forwarded to Manulife. I must say that for longer

term absences they can be nasty. They have you fill out forms

often, I am sure to discourage you to return to work sooner. My

husbands surgeon was in London (a distance away from our home) were

the surgery took place and it was a bother getting forms filled.

Eventually he returned to work after five months instead of the year

requested by his doctor. In your case you may be talking weeks

rather than months, so I doubt they would give you that much

trouble. Good luck. Cathy

P.S. You should have a person in charge of your insurance at

Manulife, this is the person who will be able to answer all your

questions. Get to know him or her, and hopefully they will be able

to help.

- In orthognathicsurgerysupport , " rvm.geo "

<robmasciotra@h...> wrote:

> Hello,

>

> Just a quick questions to the Canadians on this forum and

insurance

> coverage.

>

> I have collective insurance from Manulife and I am having a hard

time

> getting a pre-approval from them before the surgery is done and

the

> claim forms are sent in. If I agree to follow their process, I

will

> only find out about my coverage after the surgery has been done.

>

> What has been people's experience in terms of getting coverage for

the

> absence from work during the recovery period? Anybody can share

their

> experiences on whether it was covered or not, how many weeks, who

was

> the insurance company, etc?

>

> Thanks!

> RVM

[Guest guest]

Hi,

Thanks to all that have answered so far. Unfortunately my Insurance

company does not want to help me until I provide the disability

forms, which it seems I won't have until the surgery is done!

But overall, to all the post-oppers here who have insurance (either

private or collective), are you getting compensation for being off

work for a number of weeks? Or are you just taking the time off with

no pay and hoping to return to work as soon as possible?

THANKS!

RVM

> > Hello,

> >

> > Just a quick questions to the Canadians on this forum and

> insurance

> > coverage.

> >

> > I have collective insurance from Manulife and I am having a hard

> time

> > getting a pre-approval from them before the surgery is done and

> the

> > claim forms are sent in. If I agree to follow their process, I

> will

> > only find out about my coverage after the surgery has been done.

> >

> > What has been people's experience in terms of getting coverage

for

> the

> > absence from work during the recovery period? Anybody can share

> their

> > experiences on whether it was covered or not, how many weeks, who

> was

> > the insurance company, etc?

> >

> > Thanks!

> > RVM

[Guest guest]

I have Standard Life as my insurance provider and they covered 200$

for my pre-op/post-op care (out of the 2400 my surgeon charged). I

was lucky enough to have my time off work covered by my company as

sick days and have been working from home for the last 5 weeks, so

I've been off work 7 weeks now. However I did have the

predetermination sent to my insurance company, and they were willing

to cover the time off as short term disability.

> > Hello,

> >

> > Just a quick questions to the Canadians on this forum and

insurance

> > coverage.

> >

> > I have collective insurance from Manulife and I am having a hard

time

> > getting a pre-approval from them before the surgery is done and

the

> > claim forms are sent in. If I agree to follow their process, I

will

> > only find out about my coverage after the surgery has been done.

> >

> > What has been people's experience in terms of getting coverage

for the

> > absence from work during the recovery period? Anybody can share

their

> > experiences on whether it was covered or not, how many weeks, who

was

> > the insurance company, etc?

> >

> > Thanks!

> > RVM

[Guest guest]

Hi RVM,

this is normal for disability claims with group insurance providers.

You will have to wait for your surgery and get all the paper work

filled out. However rest assured if your policy covers short term

disability you have nothing to worry about. It will take two weeks

or so for them to process it after your surgery and you will get

compensated (It's only 60% of your net pay though).

> > > Hello,

> > >

> > > Just a quick questions to the Canadians on this forum and

> > insurance

> > > coverage.

> > >

> > > I have collective insurance from Manulife and I am having a

hard

> > time

> > > getting a pre-approval from them before the surgery is done and

> > the

> > > claim forms are sent in. If I agree to follow their process, I

> > will

> > > only find out about my coverage after the surgery has been done.

> > >

> > > What has been people's experience in terms of getting coverage

> for

> > the

> > > absence from work during the recovery period? Anybody can share

> > their

> > > experiences on whether it was covered or not, how many weeks,

who

> > was

> > > the insurance company, etc?

> > >

> > > Thanks!

> > > RVM

[Guest guest]

the surgery in Canada is no where nearly as expensive as it is in the

states. the hospital time is covered by OHIP in ontario, the only thing you

pay for are the extra specialist fees and the anesthetic treatment fees.

including braces and the surgery, i spent about 9 thousand. which is dirt

cheap compared to the tens of thousands americans pay. yikes!

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<DIV><FONT face= " Lucida Handwriting, Cursive "

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<br><br><br> & gt;From: & quot;rvm.geo & quot;

& lt;robmasciotra@... & gt;<br> & gt;Reply-To:

orthognathicsurgerysupport <br> & gt;To:

orthognathicsurgerysupport <br> & gt;Subject: [Orthognathic

Surgery Support ] Re: To Canadians - Insurance Coverage?<br> & gt;Date:

Wed, 22 Jun 2005 18:32:43 -0000<br> & gt;<br> & gt;Hi,<br> & gt;<br> & gt;Thanks to

all that have answered so far. Unfortunately my Insurance<br> & gt;company

does not want to help me until I provide the disability<br> & gt;forms, which

it seems I won't have until the surgery is done! <br> & gt;<br> & gt;But

overall, to all the post-oppers here who have insurance

(either<br> & gt;private or collective), are you getting compensation for

being off<br> & gt;work for a number of weeks? Or are you just taking the time

off with<br> & gt;no pay and hoping to return to work as soon as

possible?<br> & gt;<br> & gt;THANKS!<br> & gt;RVM<br> & gt;<br> & gt;<br> & gt;<br> & gt; & gt; & gt; Hello,<br> & gt; & gt;

& gt;<br> & gt; & gt; & gt; Just a quick questions to the Canadians on this forum

and<br> & gt; & gt; insurance<br> & gt; & gt; & gt; coverage.<br> & gt; & gt;

& gt;<br> & gt; & gt; & gt; I have collective insurance from Manulife and I am

having a hard<br> & gt; & gt; time<br> & gt; & gt; & gt; getting a pre-approval

from them before the surgery is done and<br> & gt; & gt; the<br> & gt; & gt; & gt;

claim forms are sent in. If I agree to follow their process, I<br> & gt; & gt;

will<br> & gt; & gt; & gt; only find out about my coverage after the surgery has

been done.<br> & gt; & gt; & gt;<br> & gt; & gt; & gt; What has been people's

experience in terms of getting coverage<br> & gt;for<br> & gt; & gt; the<br> & gt;

& gt; & gt; absence from work during the recovery period? Anybody can

share<br> & gt; & gt; their<br> & gt; & gt; & gt; experiences on whether it was

covered or not, how many weeks, who<br> & gt; & gt; was<br> & gt; & gt; & gt; the

insurance company, etc?<br> & gt; & gt; & gt;<br> & gt; & gt; & gt; Thanks!<br> & gt;

& gt; & gt; RVM<br> & gt;<br> & gt;<br>

[Guest guest]

I'm in Ontario too, but I didn't have to pay anaesthesia treatment,

just for the out-of-hospital visits to my surgeon (C$1,200). As if

it's an option - would they have foregone the anaesthesia if you

hadn't paid???

It's an amazing deal, agreed!

> the surgery in Canada is no where nearly as expensive as it is in

the

> states. the hospital time is covered by OHIP in ontario, the only

thing you

> pay for are the extra specialist fees and the anesthetic treatment

fees.

> including braces and the surgery, i spent about 9 thousand. which

is dirt

> cheap compared to the tens of thousands americans pay. yikes!