Moderate Accident.. Doubt Regarding Insurance Coverage & Costs

[dappusubhani]

leg fractured and surgery needed as 3 bones broken and 2 ligaments torn at ankle & foot..

 

911 came and took to emergency, it's a 20 min ride in ambulance

 

later went to orthopedic the next day and heard surgery is needed.

 

so anybody have any idea on how much it costs for the emergency care and then for the ankle & foot surgery?

 

is it better to go to India and get the surgery done staying with parents or be here only and have the medical observation all the time?

 

suggestions & advises are welcome..

 

thanks

 

 

[donganaaK]

that doesn't sound no where close to a moderate accident ...... evariki aindi man ? .. i hope its not u..

[dappusubhani]

that doesn't sound no where close to a moderate accident ...... evariki aindi man ? .. i hope its not u..

 

it's me.. only BUDDY bro.. taking rest at home since 1 week and very tough days..

[donganaaK]

it's me.. only BUDDY bro.. taking rest at home since 1 week and very tough days..

 

that sounds terrible .... mari India travel cheyalsi osthey can u manage ? .... broken bones antunnav kada ..... is it an automobile accident ? insurance leda ?

[saradagakasepu]

insurance unda neeku? if so, entadi?

[dappusubhani]

that sounds terrible .... mari India travel cheyalsi osthey can u manage ? .... broken bones antunnav kada ..... is it an automobile accident ? insurance leda ?

 

kaadu.. home mundu ice melt ayyi sleet ayindi.. tar road and sleet meeda snow padi undi.. car daggaraki veldamani mellaga nadustunna.. slip ayyi support emi dorakaka, road meeda paddanu,.. foot twist ayyi, ankle bones anni break aipoyayi..

 

present bed ridden.. so emi tochatla em cheyalo..  bye1  bye1

[dappusubhani]

insurance unda neeku? if so, entadi?

 

cigna.. monthly $350 paying..

[donganaaK]

kaadu.. home mundu ice melt ayyi sleet ayindi.. tar road and sleet meeda snow padi undi.. car daggaraki veldamani mellaga nadustunna.. slip ayyi support emi dorakaka, road meeda paddanu,.. foot twist ayyi, ankle bones anni break aipoyayi..

 

present bed ridden.. so emi tochatla em cheyalo..  bye1  bye1

 

insurance leda bro ?

[mahendra234]

cigna.. monthly $350 paying..

 

then call them ASAP bro...they will guide u for sure..naku telsi cover avthundhi surgery ki max..

[dappusubhani]

then call them ASAP bro...they will guide u for sure..naku telsi cover avthundhi surgery ki max..

 

emo bhayya.. response emi ravatledu.. computer answer chestundi.. you are covered under cigna antundi.. tokkalodi..

[dappusubhani]

insurance leda bro ?

 

MVP & CIGNA together $350/month paying bro.. bye1  bye1

[donganaaK]

kaadu.. home mundu ice melt ayyi sleet ayindi.. tar road and sleet meeda snow padi undi.. car daggaraki veldamani mellaga nadustunna.. slip ayyi support emi dorakaka, road meeda paddanu,.. foot twist ayyi, ankle bones anni break aipoyayi..

 

present bed ridden.. so emi tochatla em cheyalo..  bye1  bye1

 

 

then call them ASAP bro...they will guide u for sure..naku telsi cover avthundhi surgery ki max..

 

 

bro neeku ligament tear undi antey ...dont take it lightly , its a very serious issue , correct time lo treat cheyyakapothe forever nee leg lo movement proper ga undadu ..... I know about this because one of my cousins tore a ligament while playing tennis in the US , motham set avvataniki close to 4 months pattindi ..... elaagu 350$ insurance ki kaduthunna antunnav kabatti , mostly the'll cover everything .. just dont delay it man .... 

[dappusubhani]

bro neeku ligament tear undi antey ...dont take it lightly , its a very serious issue , correct time lo treat cheyyakapothe forever nee leg lo movement proper ga undadu ..... I know about this because one of my cousins tore a ligament while playing tennis in the US , motham set avvataniki close to 4 months pattindi ..... elaagu 350$ insurance ki kaduthunna antunnav kabatti , mostly the'll cover everything .. just dont delay it man .... 

 

delay emi ledu bro.. but na leg anta swell ayindi.. so doctor swelling taggaakane surgery chestanani, ibuprofen anti inflammatory ichhadu..

 

so ippatiki exact ga 1 week.. naku emo chuskodaniki ikkada evaru leru..

 

so surgery enti, ennallu nenu bed rest teeskovalo teliyadu.. enta cost avutundo no idea..

 

so intlo emo vachheyamantunnaru.. veldaama, ikkade undaama ani dilemma.. edaina ee 2 days lo decide cheskovali.. 

[donganaaK]

delay emi ledu bro.. but na leg anta swell ayindi.. so doctor swelling taggaakane surgery chestanani, ibuprofen anti inflammatory ichhadu..

 

so ippatiki exact ga 1 week.. naku emo chuskodaniki ikkada evaru leru..

 

so surgery enti, ennallu nenu bed rest teeskovalo teliyadu.. enta cost avutundo no idea..

 

so intlo emo vachheyamantunnaru.. veldaama, ikkade undaama ani dilemma.. edaina ee 2 days lo decide cheskovali.. 

 

actually ippudu neeku unna best option enti ante ...call ur insurance company and tell them ur case , neeku coverage entha vasthundo chusko ..... naaku telsi mostly antha cover chestharu  .... i guess cover ayyaka nuvvu kattey bill nee india flight tickets and india trip cost kantey thakkuva ne untundi  ..... firs oka sari call chesi kanukko bro , oka clear idea vasthundi 

[saradagakasepu]

delay emi ledu bro.. but na leg anta swell ayindi.. so doctor swelling taggaakane surgery chestanani, ibuprofen anti inflammatory ichhadu..

 

so ippatiki exact ga 1 week.. naku emo chuskodaniki ikkada evaru leru..

 

so surgery enti, ennallu nenu bed rest teeskovalo teliyadu.. enta cost avutundo no idea..

 

so intlo emo vachheyamantunnaru.. veldaama, ikkade undaama ani dilemma.. edaina ee 2 days lo decide cheskovali.. 

 

ne coverage details isthadu kada bhayya...okasari adi chudu....avi lekapothe cigna lo login aithe coverage details untayemo chudu....

adee theliyakapothe cigna customer care ki call chesi ne insurance details cheppi cover chestharo ledo adugu

different times lo call chesi chudu....may be nuvvu after hours call cheyyadam valla automated phone system matrame untundemo...

 

doctor office ki call chesi ne details cheppi vallani questions adugu....enni rojulu undali? surgery entha sepu? after that how can u manage? etc.,

usually surgery unte doc office vallu disclaimer sign cheyyamantaru...they will explain everything to you...

 

nenu anukovadam initialga neeku crutches istharu nadavadaniki...