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Step 1
Get details about your surgery expenses from your doctor or surgeon. Ask them about the actual amount that will be billed to your insurance company.
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Step 2
Contact the insurance company and let them know you'll be needing the surgery. You must get clearance from them first--what they call preauthorization--if they'll cover you. The insurance company won't pay for surgery without the correct paperwork in place before it happens.
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Step 3
Make sure that your surgeon or doctor has all the required information and documents ready to give the insurance company for proof of your health condition.
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Step 4
If you're denied coverage, you can appeal. Write and send an appeal letter signed by your doctor or surgeon. There's a possibility that the appeal will be reviewed and the claim will be paid. However, the insurance company may still refuse.
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Step 5
Pay for your surgery yourself if your insurance doesn't cover it. You can pay with credit cards, make a lump sum payment or take out loans from financial institutions to support the cost.
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Step 6
Negotiate with the surgeon to see if you can pay in installments. This will reduce the burden of arranging for a huge sum of money instantly.
