I have not seen coverage for aftercare or complications denied after overseas ADR, but I do know patients who's insurance companies have threatened that they would not cover complications related to unapproved surgery.
It's all going to be based on your contract and how aggressive your insurance company is. (They seem to grow bolder and bolder by the day.) Seeking coverage in advance with an insurance company that will not pay may be a double edged sword.... Unless your contract precludes you from self paying for appropriate care... you should be in good shape. If you seek pre-approval and they come back with strong warnings against... you may have given them a leg to stand on if they wish to deny coverage for aftercare.
Good luck... let us know how it goes...
Mark
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