Can I have surgery without insurance?

  • by Jennifer
  • May 10,2017
  • 12 answers

Long story kind of.
I ve been going these last few months thinking I had insurance. I was hospitalized with gallstones and I have set up my surgery for May 24th. Now it turns out that I have NOT had insurance and was being billed for everything.
I don t want to cancel my surgery. Can I still have surgery through the hospital if they set me up on a payment plan and I can then send the bills to my insurance when I get it shortly after?


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Insurance Answers (12)

Raymond L. 6 months ago

Yes. But why the heck don't u just get insurance first? And have them cover most of it.?

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tro 6 months ago

if you are not covered with health insurance anything you have done is at your expense
how does anyone not know they don't have insurance
no, insurance will not pay for something that was done before their coverage

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B 6 months ago

Insurance will not pay after the fact. you need to understand the full cost of your surgery, most likely in the thousands of dollars, plus the doctor bills. this is not a good situation to be in, you could be strapped with bills for years just for this one time event. I suggest you get on a plan now and reschedule your surgery, and be sure that your surgery will be covered.

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Mamawisdom 6 months ago

IF the hospital and all the independent providers (each doctor, etc.) are willing to go ahead with the surgery, you can have it. It is unlikely you will be able to get a payment plan. Once they know you don't have insurance, they will do a credit check and may ask for some or all of the money up front.
Your new insurance will not pay a dime for any procedures you have before the insurance takes effect and they may not pay for any follow-up visit for a pre-existing condition.

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StephenWeinstein 6 months ago

You can have the surgery, but you can't send the bills to insurance.
Insurance can never pay for something that happens when you don't have insurance, ever, for any reason. Insurance can pay for surgery only if you had insurance when the surgery happened. If you get the insurance even one minute later, then the insurance can never pay for the surgery.
If the hospital wishes to let you set up a payment plan, they may do that. If the hospital wishes to make you pay for the surgery in advance, before it happens, they can do that too.
But, in either case, if the surgery happens before you get insurance, then insurance can never pay the bill.

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amy lynn 6 months ago

You can't get insurance AFTER the surgery and expect the insurance to help pay those bills.
You will have to talk with the hospital about options for the bill.
Can you total your uninsured car and then get car insurance and expect them to pay the cost of the car?

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Politically Correct 6 months ago

Insurance is not going to pay for something that was done before coverage started. Just defer the surgery until after you have written confirmation of your insurance.

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Eva 6 months ago

Any insurance you get will not pay any bills from before. That's not how insurance works and how did you not know you didn't have any? Talk to the hospital social worker and see if they have a foundation to help uninsured people. If you qualify for Medicaid, they will pay bills incurred up to 3 months prior.

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Amonynous 6 months ago

No...
You can have the surgery & PAY for it, but an Insurance Plan is NOT going to pay "retro-actively", LOL!

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Ann 6 months ago

if you dont' have insurance at the time of the treatment, they are NOT going to pay for it

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Rodny 6 months ago

Insurance companies are not support this. Because they only pay bills for current profiles.

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Judy 6 months ago

They'll probably want the ffull payment up front. There are some companies that give loans for medical procedures. But no, if the surgery is bafore you get insurance, they don't pay for surgery or other treatment you've already had, that's not what a pre-existing condition is.

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