A 40-year-old member asked:
Disclaimer

do insurance companies discriminate you if you have a spine surgery?

2 doctor answers
Dr. Romanth Waghmarae
38 years experience Pain Management
Spine surgery: No - they just do not to approve or pay for the surgery. If its a new insurance they are not allowed to exclude due to pre-existing issues.
Answered on Sep 28, 2016
Dr. Edward Hellman
28 years experience Orthopedic Surgery
Depends: It varies somewhat and is also controversial. Some companies will have a preexisting clause to avoid coverage of preexisting back problems for a period of time. I have even seen patients who could get insurance only if they would agree to a "cut out" that any future spine problems would not be covered secondary to their previous surgery. Thank you for the question.
Answered on Mar 12, 2013

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