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5 Things to Do If Your Insurance Policy Won't Cover Your Surgery

Posted by skymedicus STAFF on 7/21/2017 2:27 PM | Last Modified: September 26, 2017

It’s the nightmare scenario that hundreds of millions of people dread: discovering your insurance policy won't cover your surgery.

Common Reasons Your Surgery Isn't Covered by Your Insurance Company

  • The surgery you need is specifically excluded by your policy.
  • The surgery you need is deemed not “medically necessary” by your insurer.
  • Covering your surgery would exceed the maximum per incident amount in your policy.
  • Covering your surgery would exceed the maximum per lifetime amount in your policy.
  • Only a portion of the cost will be covered – leaving you to pay thousands, tens of thousands, or possibly hundreds of thousands of dollars out-of-pocket. 

If you’re grappling with any of the above, then be assured that you DO have options. Below, we highlight 5 possibilities for when your insurance policy won't cover your surgery:

What to Do if Your Insurance Doesn't Cover Your Surgery

1. Talk to Your Doctor or Hospital

Your doctor and/or hospital may be willing to offer a discount, or perhaps work out an extended payment plan that makes it viable for you to have the surgery. If you take this route, make sure you clearly explain why your surgery isn’t covered by your insurance.

2. Shop Around

Surprisingly, fees for even common surgeries can vary widely between hospitals in the same city or region. Don’t hesitate to make some calls and shop around to find a better price.

3. Research Government Programs

You may be eligible for government programs that can help. Start by visiting the Foundation for Health Coverage Education’s website and see what’s available. 

4. Try and Raise Funds

You may be able to raise funds by launching a fundraising campaign via or some other crowdfunding website. Keep in mind, however, that this is a longshot. What’s more, if privacy is a concern (i.e. if you’re seeking to get bariatric surgery and don’t want your co-workers to know), then this is not a viable option.

5. Get Your Surgery Abroad

You can join the hundreds of thousands of Americans each year who head abroad to Mexico, Costa Rico, Brazil, Thailand, South Korea, Singapore and many other popular medical tourism destinations to get your surgery abroad – but for just a fraction of the cost!

Not only will you have access to world-class healthcare provided by highly experienced and licensed doctors, but you’ll typically save anywhere from 30 to 80% on your surgery. What’s more, if you have any HSA dollars through your employee benefits program, you can use them for your surgery abroad – therefore making it even more affordable and viable.

Learn More

To learn more about getting your surgery abroad, contact the team at SkyMedicus today.

We’ve helped many people just like you get the life changing and sometimes life saving surgery you need when your insurance company isn’t part of the solution. We take care of you every step of the way, because your health is our only priority!

Download our free eBook on the 10 things to know about Medical Tourism

Topics: Surgery Abroad

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