[l2ridehd]

Please read the bill that has been passed. Today knee replacement is elective and when approved is paid for by insurance. Under the bill as currently passed. elective surgery is not covered and would require some type of a supplemental policy to have elective surgery covered. I doubt anyone knows what the cost of that policy will be as they have not yet been required. My guess would be that this is still a place where insurance companies could still make a profit so probably not cheap. The doctor at the urgent care was accurate in what he told you. Maybe didn't go as far as he should have by telling you today you need approval.

The difference is today you need approval, usually fairly easy to get, tomorrow you will either pay for out of pocket or buy supplemental insurance at some currently unknown cost. Based on that, if you know for sure your going to require it, I would do it sooner vs later. I am getting every test, check up, physical, that I think I may need in the next 5 years done now where I know the rules. May be better or worse in the future, but at least now I know what to expect and don't need to deal with a government run system.