It would be very comforting to answer this question with an affirmation; unfortunately, it would not be entirely correct to say that all surgeries are covered with your Medicare Part G. The coverage depends on the kind of surgery that is necessary and the time at which it is being done. The other factor that would determine this would be the age of the person who is being insured. Let us take two different situations for you to understand the kind of surgeries that could be covered. Since there are different reasons why surgery is performed, it is left to the insured person to support his claim for compensation by submitting recommendations by the medical personnel in hospitals.
Emergency Procedures
Most Medicare and supplement plans cover emergency procedures. Of course, there could be a few riders to these rules that you should know about. For instance, if you are travelling overseas and you require some emergency treatment; you need to first find out if there is any way that you can get to a hospital on American soil first. In case this is not possible, you could go to the nearest place for medical support, which you can then claim for.
What About Cosmetology?
You need to understand the basics of cosmetic surgery before you get a grip on what is covered and what is not. If you are thinking of getting an overall facelift because you are not happy with what you see in the mirror every day; sorry, but this is not covered. On the other hand, if you have met with an accident and got your face all messed up, you could go in for some sort of rectifying surgery. You would have to prove with the help of your cosmetologist and your hospital that this surgery is mandatory for you to continue a normal working and social life. In short, reconstructive surgery can be covered by most plans. This is especially true for people who have been involved in some sort of horrific accident or mishap that has proved to be quite damaging to their faces or any other parts of their body.
Another query that many people have about insurance coverage is whether the cost of prosthetics can be covered – usually, this is possible. The principle of reimbursement works best if you are able to prove the necessity factor when a medical expense is raised. Consult your agent before you submit your claim for your surgery bills.