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Surgery Costs and Credit Score

June 11th, 2016 at 03:55 pm

I checked out my insurance website today and found that my surgery is going to cost me about $2700 not including the dr portion. This satisfies my deductible and also kicks me over the Out Of Pocket Maximum. I am not quite clear on what that means exactly, whether office visits and prescriptions are now 100% covered or not. I which I had checked into medically necessary breast reduction surgery sooner. I am quite large and I am only 4'7". I am not having pain right now but am sure that as I get older it will start affecting my back. I doubt that they will approve it based on only the recommendation of a doctor.

I am recovering nicely still. I am supposed to go back to work at my second job on Wednesday. I don't know how that is going to go. I still can't lift anything over 5#. DD came up today and we went to the grocery store and she is doing things around the house tomorrow that I can't do.

I am keeping an eye on my credit score at credit karma. It hos gone up 79 points since I got the HELOC and paid off all the credit cards. I have used a couple of them occasionally but pay them off within a week of using them. Things are going according to plan to get the loan in only my name at the end of the summer.

3 Responses to “Surgery Costs and Credit Score”

  1. CB in the City Says:

    I have known women who had breast-reduction surgery that was covered by insurance. It's worth checking into!

  2. LuckyRobin Says:

    Usually they will cover it if there is pain involved or it is causing back and/or neck problems. Some will cover it if it is causing emotional problems (severe depression, usually). They won't cover it for cosmetic reasons or just because you want it. It has to be affecting your quality of life.

  3. rob62521 Says:

    Hope it works out insurance wise. Be careful as you recover.

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