Will insurance cover back surgery? | AllSpine Laser & Surgery

Will Insurance Cover Back Surgery After a Car Accident?

When you get into a car accident, the last things you should have to think about are medical bills and surgery costs. Taking care of yourself and getting the treatment you need after a serious back injury should be your top priority.

It’s not always easy to get through to insurance companies to discuss coverage and submit paperwork, especially when you’re recovering from accident trauma. Working with a healthcare provider or surgery center who understands the frustrations involved with insurance coverage can help lighten the load so you can focus on recovering after your back surgery.

What Comes Next After Being Injured in a Car Accident?

The first thing you should do after a car crash is seek medical attention. You may not feel the repercussions or symptoms of the accident right away, but it can be dangerous to put off an expert injury assessment. A doctor can diagnose your injuries with a thorough examination and/or imaging (X-rays).

If you’ve sustained serious injuries, especially back or spinal cord injuries, you may need to be seen by a spine specialist, like those at AllSpine, to determine if you will need surgery.

What Happens if a Doctor Recommends Back Surgery?

If a healthcare provider has determined that you need back surgery, an Atlanta spine specialist can provide you with a second opinion. Surgeries are expensive procedures that may require long recovery periods, which is why it’s not a bad idea to get a second opinion before you undergo an invasive operation. Most necessary surgeries are usually covered by health insurance providers.

To ensure that your insurance is billed correctly for back surgery, we recommend you follow these steps:

  1. Book an appointment with AllSpine to get a first or second opinion.
  2. Schedule your back surgery with one of AllSpine’s highly trained surgeons.
  3. AllSpine’s billing team completes and submits all paperwork to your insurance.
  4. Receive a pre-approval for your surgery.
  5. Undergo your necessary back surgery.
  6. The insurance company pays all surgery expenses (except for any co-pays or deductibles).

Who Covers the Medical Bills in a Car Crash?

Most health insurance providers will cover medical treatments initially, even if another driver was at fault.

In most instances, health insurance companies may classify car crash injuries as secondary coverage meaning they won’t cover your medical expenses until other auto insurance limits have been reached. When and how those factors may come into play will likely be determined by the progression of your auto accident injury claim.

While we’d like to expect complete coverage of necessary surgeries, it may not always be that easy. Even as the injured victim, some health insurance companies can require you to pay:

  • Deductibles
  • Co-payments
  • Charges and expenses not covered

As a car accident victim, you might be able to recoup out-of-pocket expenses by filing a claim against the at-fault driver or their insurance provider.

Seek Specialized Care from Highly Trained Neurosurgeons in Atlanta

Don’t wait to seek medical attention if you’ve been injured in a car accident in Atlanta. Serious injuries to your back or spine can have life-altering consequences if they are left untreated.

After receiving care from your primary healthcare provider or your local hospital’s emergency room, get a second opinion from AllSpine Laser and Surgery Center. Our trained neurosurgeons and physiatrists have been providing expert advice and performing successful surgeries on Georgians since 2001.

We know being injured in an auto accident can be worrisome, especially if those injuries could impact your lifestyle. You can trust AllSpine specialists to help you reach the very best outcome after your back surgery while our billing team sees your insurance claim through from start to finish.

To schedule your consultation in Marietta, Stockbridge, Newnan or Decatur, call (770) 997-0600 or send us a message.

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