Does Health Insurance Cover Knee Replacement?

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   Marlin McKelvy

   President, Consumer Directed Benefit Solutions, Memphis, Tennessee

   Yes.  Of course an appropriate diagnosis and recommendation for treatment will have to be made and you will want to exhaust any other less intrusive forms of treatment before you or your health insurance carrier should want to be replacing your original parts.  But knee replacements, when medically necessary, are routinely covered services subject to whatever deductible, coinsurance and/or copayments are in your health insurance policy.  The state of the art in replacement surgeries for knees and hips have advanced rapidly and are far less traumatic than they were just a few years ago.  I have a friend who recently had hip socket replacement surgery done on an outpatient basis who went in for the procedure early in the morning and walked out using a cane by mid-afternoon.

   Answered on July 11, 2014

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