As you may know, Embrace Pet Insurance covers hereditary or breed specific conditions as long as there are no clinical signs of the condition before the end of the waiting period.
The costs for the cataract treatment can add up. Here are the totals for Gunner's treatment so far. Note that the prescription drug coverage was not selected for Gunner's policy so take home drugs such as Otomax were not covered by his policy.
|4/13/2011||Unilateral Cataract Surgery||Paid||$1,637.00||$1,381.50|
|5/24/2011||Post Op Recheck Exam||Deduct||$77.00||$0.00|
Here are the specifics on Gunner's surgery costs (FYI, he lives in Oregon)
|ITEM||BILLED AMOUNT||COVERAGE TYPE||COVERED IN POLICY?||COVERED CHARGES|
|Unilateral Cataract Surgery||$1,200.00||IL||Y||$1,200.00|
|Diclofenac Sod Opth Sol||$30.00||DD||N||$0.00|
|PolyB Trimethoprim Opth Sol||$8.00||DD||N||$0.00|
Gunner's claim payout was calculated as follows (the deductible having already been satisfied this year):
|STEP 1: Calculate Potential Refund|
|Covered Charges:||(see attached detail)||$1,535.00|
|Annual deductible remaining||$0.00|
|Copay 10%||(your copayment)||$153.50|
|STEP 2: Compare potential refund against your annual maximums|
|Prior refunds for this policy year||$16.65|
|Your total refund is:||$1,381.50|
Has your dog or cat had cataract surgery? How did it go?