Is meniscus surgery covered by most insurances?

If you have some policy for catastrophic injury maybe not, but most plans should.

It only really matters if your insurance covers it.

yes, but you never want to give an insurance company an out, like it was from years of wear and tear..play dumb..dumber...dumbest...I was at my house and it just went...etc

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. I finally had to have mine fixed for similar reasons, but I only recounted to the lady who called me the specific situation right before I went to doc - mowing lawn. she proceeded to ask me if I was mowing someone else's lawn, using someone elses lawnmower, etc. Anything to get out of paying for it. I said no it was my lawn, my mower, my knee, something suddenly hurt, and went to doc.

So leave out the old HS XC injury. Leave out the time you had PT 5 yrs earlier. Leave out everything but the specific incident that sent you to doc... then they can't say "well, it was a preexisting condtion, no dice."

Long story short: like the other poster, unless you have a catastrophic-only policy, you should be covered, but make sure you don't give them any reason to deny you.

its sad that you have to lie about your condition and how it happened in order to get a surgery covered. this system is so broken.

der wrote:

this system is so broken.

Yeah, it'd be so much better if we were in England. You know, where it would take a year to see a doc and then another year if you were lucky to have your surgery.

I tore my meniscus early in the week, saw an orthopedic doc within a couple of days, MRI in less than a week. I wished to see if time might help it feel better, so I didn't schedule my surgery for a few months. But I suspect if I was more aggressive about undergoing the knife I would have had it fixed up within 3 months of the injury.

I told them I tore it running down hill. They didn't ask me how many miles I had on my knees.