Insurance

“No, your insurance plan does not cover cochlear implant surgery.” Those are the words we heard a few days after Cal’s MRI. Needless to say that sent us into a frenzy of looking into supplemental insurance, advocacies, anything that would help us in getting Cal’s CI covered. One of the advocacies recommended I request a full disclosure of benefits from my insurance. As I read over these it said nothing about cochlear implants, in fact the only thing it said was, “Do not cover hearing aids or similar devices.” Similar devices? If that was their way out they were going to have to better than that. So I called back up the insurance (immediately asked to talk to a manager or specialist) and explained our situation. After a game of 20 questions, we got our $80,000 answer...we are covered! They will only cover one implant, but for now we will take it. It is such a relief to not have to worry about this along with every thing else. I doubt this will be my first battle with the Insurance companies...but this victory was a big one.