Contents: 1.. Hemroids treatment and your insurance cover and 2... Hemorrhoids treatment when you don't have insurance.
Our hemorrhoids medications and medicines review page may not provide free treatment, but it does have much cheaper and safer treatments than surgery.
Insurance plans vary wildly in what they are willing to cover, and what kind of hoops you have to jump through in order for your procedure to be covered at all. Insurance plans generally want you to see your general physician first, get a referral from him or her, see the referred hemorrhoids doctor, get another referral from him or her, and so on and so forth.
This is all to ensure that the insurance plan really, truly does have to pay for whatever procedure winds up eventually having to take place, because they do not want patients to hear of a radical new procedure and make an uninformed decision to have it done, when a much less expensive procedure would have done just as well.
Remember, always, that insurance companies are in this to make money, and to make money they have to keep their costs down as much as possible. To this end they will deny you coverage if you do not jump through their procedural hoops.
Therefore, the nurse in your doctor's office who specializes in dealing with insurance is one of your best friends. He or she is usually very, very familiar with all of those procedural hoops, and can explain them to you simply and stripped of bureaucratic language.
The same nurse is also who can help you estimate what any given procedure will cost both before and after insurance is done paying their share.
Keep in mind that full hemorrhoidal surgery can run into the tens of thousands of dollars by the time all the bills come in, so you really want to make sure that any steps you need to take to get your insurance to cover their share are completed accurately.
Having done all that, you may well find that after it's all said and done, even those in the top level of health cover, can be left with thousands to pay.
On the news we hear stories of people who go in for surgery, believing their top cover covers everything except a small fee, they don't bother to check their insurance policy nor check with insurance company, then they walk out and find they have an out of pocket bill of $5,000 or so.
CHECK, CHECK, CHECK before you have the surgery, get everything in writing beforehand if you can.
What do you do if you don't have insurance? Well, that gets sticky, really sticky.
If you qualify for Medicaid and/or Medicare, then you're pretty much in the same boat as everyone else who has insurance, so go apply for those if you haven't already.
If you don't qualify for either, then you are in the same boat as millions of people who fall through the chinks in the system and may have some significant problems.
Every emergency room must give emergency treatment to any and all who need it, so they might be able to help with excessive hemroid pain or bleeding.
In addition, many cities and towns have a community hospital that has agreed to treat anyone and everyone regardless of ability to pay, so find that hospital and work something out with them about your hemroids.
Main write by L Ice and rewrites by DS Urquhart.