Does health insurance cover fibroid removal? All you need to know

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Does health insurance cover fibroid removal?

Do you have fibroids? If so, can you get health insurance to cover the cost of getting rid of them? What are the treatments covered by health insurance, and what are your best options in terms of price and quality? Get the answers to these questions and more in this complete guide.

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What Is a Fibroid?
Fibroids are tumors that grow in or around a woman’s uterus. They’re usually noncancerous (benign), but they can sometimes be cancerous (malignant). Most women develop them at some point during their lives, but doctors aren’t sure what causes them. Fibroids are more common in women between 30 and 50 years old. About one in 20 women of childbearing age has a fibroid that needs treatment, but they’re rarely life-threatening.

Do I Need Surgery For My Fibroids
Fibroids are growths in or on your uterus. Often, they’re small and don’t cause problems. But sometimes, they get large enough that they can interfere with your period or even cause pain. Sometimes, a doctor can remove them without surgery — but if that’s not an option for you, here’s what to expect during and after a surgical procedure like a myomectomy. How much it costs: In most cases, fibroid removal without complications will be treated as outpatient surgery. This means it’ll be covered by health insurance — though your individual policy may differ from others in terms of what will be covered.

What Are The Different Types of Hysterectomy Procedures for my fibroids
There are two main types of hysterectomy procedures for your fibroids. They are total abdominal hysterectomy and total vaginal hysterectomy. In a total abdominal hysterectomy, only part of your uterus will be removed via an incision made in your lower abdomen. A total vaginal hysterectomy removes both ovaries and part of your uterus via incisions made in your vagina or cervix. Both types of hysterectomies remove your entire uterus, but with different approaches. Both can also be performed laparoscopically through small incisions in your belly button or vagina. If you’re looking into whether health insurance covers fibroid removal and how much it costs without health insurance, check out our guide below!

What is Conventional Treatment for My Smaller Fibroids
Once your doctor or surgeon has determined that your growths are indeed fibroids, they may decide to treat them with hormone therapy. Many doctors try drugs that manipulate estrogen and progesterone levels first—as they help shrink smaller tumors. If these methods don’t work, more invasive procedures might be an option. In most cases, health insurance will cover all of these treatments, but check with your carrier before choosing one over another.
It’s also possible that hormone treatments might not work on smaller tumors, however. If they don’t shrink or even grow in size, your doctor might recommend a more invasive surgical procedure known as a myomectomy. This operation involves cutting out all of your fibroids via keyhole surgery, which makes recovery easier than an abdominal surgery for larger growths. In most cases, health insurance covers these procedures—but make sure to check with your carrier before agreeing to one over another.

How Much Does a Hysterectomy Cost?
You’re a woman. There’s a monster growing inside of you. And, now, it’s time for your hysterectomy. Your doctor wants to remove your uterus, ovaries and cervix so that they can get as much of that fibroid out as possible. But—what does all of that mean? How much is it going to cost? And, how do I pay for my life-saving operation?
A hysterectomy is a major operation, whether it’s your first one or if you’ve had multiple surgeries in your life. The average cost of a hysterectomy—without complications—is between $7,000 and $8,500. That price includes all fees associated with operating room time and anesthesia.

Will My Insurance Company Pay For This Procedure
If you have a policy through your employer, Medicare or Medicaid, private health insurers in most cases will pay for treatment of symptomatic uterine fibroids. The great news is that nearly 80 percent of women who undergo hysterectomy for uterine fibroids are able to avoid major complications like bleeding and infections.
If you have private health insurance and need a procedure to remove uterine fibroids, speak with your doctor about whether he or she can submit a request for pre-authorization. While coverage depends on your specific policy, most insurers will allow surgery for symptomatic fibroids once other treatments are tried and failed. If approved, Medicare also covers surgical treatment of symptomatic uterine fibroids.

Should I Buy an Extended Care Plan or Similar Product If I Have A Complicated Case
In some circumstances, a health insurance company may provide a discount or coverage for an extended care plan. However, in most cases, these products aren’t necessary. If your health insurer is denying payment for your surgery because of a pre-existing condition, it’s likely that they won’t cover additional expenses related to that same condition—even if it is considered medically necessary. If you have questions about whether or not an extended care plan is right for you, contact your doctor and/or health insurance provider directly.

Will My Health Insurer Cover Any Of The Following Costs That Accompany The Procedure I Want Done?
In general, private health insurers will often pick up a portion of your medical expenses – but only if it’s determined that you are paying for a medically necessary procedure. Unfortunately, many women have learned (the hard way) that their insurer will not pay for treatment of growths in their uterus like uterine fibroids. What does medically necessary mean, though? There is no standard definition and it differs from company to company.

If you’re seeking coverage for a pre-existing condition, check with your insurer before purchasing an extended care plan. Some may provide coverage for additional costs associated with surgeries or procedures due to a preexisting condition, but it’s best to double-check with your provider before assuming that an extended care plan will cover your needs.

How Do I Choose the Right Doctor To Operate On Me?
While most health insurers do provide coverage for fibroid removal, not all of them do. Also, it’s important to look into other factors like how many times a doctor has performed a similar surgery and his success rate. Here’s what you should know before choosing your doctor for a surgery (1) Find out if your health insurer covers fibroid removal – Most health insurers cover some kind of treatment for uterine fibroids, including medications and minimally invasive surgeries such as myomectomy or hysterectomy. But that doesn’t mean they will pay for every procedure; so be sure to check with your insurer first before setting up an appointment with a surgeon. (2) How experienced is my doctor?

After Diagnosis, What’s Next in Terms of Insurance?
Once you’ve been diagnosed with uterine fibroids, or have had them removed via a hysterectomy or other procedure, your next step is to start looking into how it will affect your auto and life insurance. If you’re a woman who no longer has a uterus (and therefore won’t be able to carry a child) then your life insurer might want some proof that your remaining reproductive organs are working properly. This could mean an additional test or two, depending on where you live. In terms of car insurance, if you were previously covered under a parent’s policy then they should continue to provide coverage for at least three years after your 21st birthday—but after that point, things get trickier.

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