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It may take 4-5 months for full healing. Insurers may also claim that a procedure is purely cosmetic. For example, insurance companies have recently been denying surgical treatments for lipedema because the treatments, such as liposuction, are also used for cosmetic reasons. A total knee replacement is estimated to cost between $50,000 and $60,000 in the United States. 2. ", Guardian Life Insurance Company of America. A sudden twist, turn or collision can tear a meniscus. if you tell them it happened when you were crossing a street they will tell you to sue the city,etc on the whole it helps, the surgery, from things like arthritis, etc setting in.. do NOT tell them it was from years of running. 29871 - ARTHROSCOPY KNEE INFECTION LAVAGE & DRAINAGE. Note: Our attorneys at Casper, Meadows, Schwartz, and Cook have the expertise necessary to explain the factors that affect the value of a claim. Tears in this "red zone" of the meniscus can often heal on their own or can be repaired through surgery. If you clarify the condition, the indication, and the treatment, the insurer may fix the mistake. Whether You Have Representation Unfortunately, many accident victims believe they can handle their own cases and accept the first settlement offer they get. General anesthesia is typically used for this type of surgery, though in some cases a spinal or epidural anesthetic is used. "Short-Term Disability. Often, the answer is "YES." Since 2005, when the American Medical Association . The patient should be able to bear weight on the knee while standing or walking, immediately after surgery. There are lots of factors to consider when determining if your surgery qualifies for insurance coverage, such as the cost, the surgeon, the surgical office location, and more. What is the cost of knee replacement? There are specific deadlines for filing an appeal, and they change depending on the circumstances. (If you are relatively healthy, these tests are usually not needed.). Ask your insurance provider about your co-payments, deductibles, and co-insurance amounts for the surgery.