What can I do to defray the $50k cost of surgery? Is there any way to negotiate with the insurance company?
I’m on COBRA with an Aetna PPO plan and had hip surgery recently. I did all the due diligence with my insurance and the doctor’s office to make sure it was covered in advance. Aetna even told me a couple weeks in advance it was covered when I called the insurance directly. Then, the day prior to surgery, I called Aetna about something unrelated and they indicated that my surgery would probably not be covered because it is considered experimental. It was too late to cancel the surgery after all the prep work and stress I was going through, not to mention family having already flown in from far away. I am now facing in excess of 50k in medical bills. My doctor’s office is appealing. I am young and was in pain just from walking. I had 2 doctors read my MRIs and they determined surgery was the only way to get better. Please help! is the doctor’s office responsible for telling me it was all approved by my insurance in advance when they did not properly do the due diligence? What else can be done? Thank you!