There are many different insurance companies and many different policies. Some do not cover out-patient fees or have certain limits. Patients should check their policy to see what is covered and determine whether they may be liable for part of the cost.
One increasing problem with Insurance Companies is that most have not increased their cover for surgical fees for ten to fifteen years. This is despite annual inflation and the fact that the costs of medical practice, especially medical insurance, have increased significantly. Depending on the policy there is sometimes a shortfall. A shortfall is where an insurance company will pay up to a certain limit and leave the patient to pay the excess on the surgical fee. In addition, there may sometimes also be a shortfall in the anaesthetic fees, although the other fees should be paid by the insurance company. We, however do our best to avoid any shortfalls.