Find trauma insurance with cover for artery angioplasty
Trauma insurance is designed to provide you and your family with financial security so your lives won’t be derailed by sickness or accident.
One of the conditions covered by many trauma insurance policies is coronary artery angioplasty. This procedure opens blocked arteries to help restore blood flow to the heart and avoid heart attacks.
- Single and double vessel angioplasties involve clearing one or two blocked arteries.
- Triple vessel angioplasties involve clearing three arteries. This is considerably more intensive than single and double vessel procedures.
- Insurers usually classify triple vessel angioplasties differently. It will typically pay out more benefits while single and double vessel angioplasties often pay only partial benefits.
In some cases multiple angioplasties will be required to treat your condition. If a policy pays partial benefits then you can usually make multiple claims; if it pays full benefits then you may or may not be able to make multiple claims.
How is Coronary Artery Angioplasty covered by insurance companies?
What’s involved in a coronary artery angioplasty?
Angioplasties are used to improve your blood flow and reduce the chance of heart attack by opening up blocked or narrowed arteries and veins.
- A wire is inserted into the narrowed artery, and a deflated balloon is run down this to the blocked or narrowed area.
- When it reaches the right spot, the balloon is inflated to a specific size. This pushes the artery open and improves blood flow.
- The balloon is deflated and removed. If the vessel continues to narrow, a stent is inserted to help it stay open.
Other procedures and different types of equipment might be involved in an angioplasty depending on the circumstances, but stents and balloon catheters are generally what you should expect. This is a fairly common procedure, and its severity largely depends on the seriousness of your condition, how many stents are required and how many blood vessels require an angioplasty.
- Only coronary artery angioplasties are covered by trauma insurance. The coronary arteries are the blood vessels that lead directly to the heart.
- You may need an angioplasty of other vessels, such as if you have a clogged artery or vein in your arm or leg. These are not coronary artery angioplasties and so will not be covered by trauma insurance.
Will it be covered?
Coronary artery angiography is a diagnostic procedure that involves x-raying the blood vessels to locate obstructions and other issues. It is used to diagnose conditions like atherosclerosis, which involves the buildup of plaque in the arteries; these types of conditions are often treated with coronary artery angioplasties.
- Coronary artery angiography is not the same thing as an angioplasty. It is a diagnostic procedure used to determine whether or not an angioplasty is required.
- The cost of an angiography will not be covered by trauma insurance but will be covered by Medicare if required.
- Most insurers will require proof that an angioplasty was medically necessary and a good decision before they will pay any benefits for it. Angiography results alongside a doctor’s recommendation are often used as this proof.
Is it possible to take out trauma insurance if I have had coronary artery angioplasty?
The insurance provider will assess:
- The stability of the condition. Is it getting better or worse? They may not want to cover a condition that’s getting worse
- Current treatment being undertaken. Are you managing it with any medication? Are you following your doctor’s orders? You will typically be required to follow all medical advice to be eligible for benefits, and insurers prefer not to work with someone who doesn’t sensibly manage their health
- Existence of any other medical conditions that may interact with heart issues. Certain diseases and issues can exacerbate blocked arteries or make angioplasties more likely or more dangerous. Insurers are less likely to cover you if these are present
- Other lifestyle habits that may increase the risk of cardiac issues or blocked veins. Smoking, for example, may be a significant risk factor for arterial plaque and increases the chances of surgical complications
What insurers do about pre-existing conditions
Having pre-existing conditions, or having undergone coronary artery angioplasty in the past, does not necessarily mean you cannot get trauma insurance cover for it. It depends on how at-risk you are. Insurers will assess this and do one of the following:
- They will decide that you are at low risk of related health issues and that the chances of you needing an angioplasty in the future are not excessively high. Here they may agree to offer you full cover anyway at a standard price, even though you have a pre-existing condition.
- They will decide that you are at an elevated risk of needing angioplasties and suffering related health issues, but the risk level is not excessive. Here they may agree to cover you for all conditions, but at extra cost. Alternatively they might offer cover at standard or reduced prices, but will exclude angioplasties and other conditions you are at unduly high risk of.
- They will decide that the risk level is unacceptable. This means you are more likely to make a claim for angioplasties or other conditions before paying enough in premiums and fees to make it worth their while. They may decline to insure you in this situation.
Getting cover with pre-existing health issues
If you have pre-existing conditions then you may wish to consider finding an insurance consultant or broker to help you find cover.
- An insurance consultant will help you compare multiple options to find an insurer that is willing to provide cover at an affordable rate.
- Not every insurer will have the same criteria for assessing applicants and there is generally more flexibility than you might think. Brokers can liaise with different insurers to customise a policy that deliberately excludes or covers pre-existing conditions, depending on whether lower costs or more comprehensiveness is important to you.