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OregonStrong wrote: Kinda wish Kramer's office had looked into this earlier, not one week before the surgery, I hate to have to cancel on them last minute due to insurance issues (and having already booked flight, hotels).

warrenw wrote:

OregonStrong wrote: Kinda wish Kramer's office had looked into this earlier, not one week before the surgery, I hate to have to cancel on them last minute due to insurance issues (and having already booked flight, hotels).

Is there any possibility you could put the charges on a couple of credit cards or other short term loans? Also ask Kramer for a cash discount since you won't be using insurance, that could save 10% or more. Lastly, your medical expenses are tax deductible for federal and maybe state taxes, so that could help some.

Bottom line, being this far along with planning and scheduling, you are so close, try to make it work with Kramer as planned.

OregonStrong wrote:So Kramer's office called, their insurance person who does precertification called my insurance provider and it appears implants are a plan exclusion. I thought I had good insurance but my employer is self funded for insurance costs and therefore they probably made decisions to keep costs down for all employees which I understand. This sucks though. I dont have $24,000 to pay out of pocket. Gonna talk to my HR to see what can be done. Didnt want anyone in my company knowing about this, but unavoidable now. This is disheartening. May have to cancel the surgery now. I dont want to wait til I'm 65 and Medicare to fix this.

Waynetho wrote:

OregonStrong wrote:So Kramer's office called, their insurance person who does precertification called my insurance provider and it appears implants are a plan exclusion. I thought I had good insurance but my employer is self funded for insurance costs and therefore they probably made decisions to keep costs down for all employees which I understand. This sucks though. I dont have $24,000 to pay out of pocket. Gonna talk to my HR to see what can be done. Didnt want anyone in my company knowing about this, but unavoidable now. This is disheartening. May have to cancel the surgery now. I dont want to wait til I'm 65 and Medicare to fix this.

I had a similar exclusion in my employer-funded insurance but there was an INCLUSION for treatment of PEYRONIES DISEASE as that is a physical injury and the gold-standard treatment/repair for PD is an implant. Your insurance probably excludes implants for enhancement and possibly for erectile dysfunction since there are other treatments such as VED and injections that can treat ED. PD is best treated by IPP.

Check with your Insurance Admin to see if they cover implants to treat PD.

I was approved right out of the gate because I had severe PD with ED.

OregonStrong wrote:I emailed my insurance company about a few issues, hopefully I'll hear back tomorrow, but the PD won't work in my case, mine is straight as an arrow.

Waynetho wrote:

OregonStrong wrote:I emailed my insurance company about a few issues, hopefully I'll hear back tomorrow, but the PD won't work in my case, mine is straight as an arrow.

My severe PD wasn't totally visible. I had a bit of an upturn (30 degrees or so) and a bit of hourglass on the right side.

What I did have was a nickel-sized plaque where the hourglass depression was, another plaque on the left side a ways back and a large 2 cc plaque at the base inside the right corpus cavernosum along with the beginnings of a pretty severe plaque at the base on the other side.

Much of this wasn't visible very much but it was still enough to qualify as PD. Have your doctor examine you for *ANY* plaque - anywhere within your distal or proximal corpora. Any plaque in the crus may affect your erection.