In some cases, the best way to treat a knee injury is withsurgery. Many patients are anxious about surgery, not least because of thepotential cost. Fortunately, it is possible to get knee surgeries covered byinsurance in most cases, which helps keep patients’ costs down; in addition,getting necessary treatment now can go a long way towards minimizing futuremedical bills. Below, we will explore some basics about knee surgery in generaland knee surgeries covered by insurance in particular.
WhenKnee Surgery is Necessary
In the majority of knee problems, knee surgery is notnecessary. Physical therapy, medication, and other non-invasive methods canoften resolve knee injuries without the need for invasive procedures. Ifnon-surgical methods are ineffective or if the damage to the knee is extensive,then surgery may be necessary.
Most knee surgeries can now be performed using arthroscopicsurgery, a minimally invasive surgery in which only small incisions are made,and cameras are used to view the inside of the joint. Arthroscopic surgery isassociated with shorter recovery times, a lower risk of side effects, and lowercosts. In some cases, such as knee replacement surgery, it is still necessaryto perform traditional open joint surgery.
Regardless of the nature of the knee surgery, it should bepossible to get knee surgeries covered by insurance. Your doctor will onlyrecommend knee surgery if it is medically necessary, and health insurance coversmedically necessary procedures. Thanks to the changes brought by the AffordableCare Act, even knee problems that existed before you were insured should becovered.
This means that the biggest factor that influences how muchyou pay out of pocket is your insurance policy. If you have a high deductibleand copay, you may pay a large portion of the cost of surgery out of pocket,while patients with lower deductibles but higher premiums may pay very little.If you are not sure about how your insurance covers the procedure you need, youshould contact your insurance provider for more information.
In cases where the patient’s out of pocket costs are stillrelatively high after insurance is applied, financing options are available tohelp spread the cost of treatment over a longer period of time. Your financingoptions include patient financing companies, health care or traditional creditcards, and loans or lines of credit. Your own preferences and your financialsituation will determine which type of financing is right for you.
Dr.Howard Marans would be happy to meet with you about your kneehealth. To schedule your consultation today, please click below and enter yourinformation or call OC Orthopedic at (714) 979-8981.