PPO vs HMO
After a major spine surgery like ADR it's amazing to find out just what is covered and what is not! My ADR surgery was approved by my PPO, and i called in to find out what i might expect to pay, i was told before surgery it would be my deductable of $2,800 + $1,000 period! i thought! it was not explained that in a procedure like this there are many procedures and doctors and corporations not on the PPO list, like i had a choice , i was under general anastisia(my spelling is wrong), there were 3 surgeons, a vascular, not covered by my PPO, and a third in case my ortho or the vascular couldn't finish, he wasn't in the PPo list either, and they are not there free, all the little incidentals, like a CT scan after surgery, wasn't pre-approved& cost a bundle(but i was not told this prior) my out of pocket was just over $50K
__________________
After a botched spinal tap where my L4/L5 disc exploded i underwent a laminectomy in 1979, and ran from spinal surgery ever since, then in 2002 i met DrDelamarter in Santa Monica- and my life as i knew it changed dramatically, I consider myself the "ProdiscPosterBoy" I am in the US Trials and one of the first in California to recieve 2 Lumbar Prodiscs, nomorepain-nomoremeds
|