Which procedures are covered?

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When you book your surgery through Carrum Health, your employer covers most, if not all, surgical expenses and you shouldn’t ever receive a medical bill through Carrum Health. Depending on your medical plan, you may first need to meet your deductible, but there are typically no copays or coinsurance. To see how much you may need to pay before expenses are covered, sign in to your Carrum Health account.

Carrum Health Benefit Frequently Asked Questions

How much will I pay?

Carrum Health covers over 100 procedures from hip and knee surgeries to neck and back surgeries. To see what surgeries are included in your company’s Carrum Health plan, register for Carrum Health today.

Is my current doctor in your program?

If your current doctor practices at one of our covered facilities, then it is possible they are part of the Carrum program. To view which doctors are in our program, sign in to your Carrum Health account.

What if I don’t live near a facility that specializes in my procedure?

Depending on where you live, to get the best possible care, you may need to travel to a specialized hospital. For procedures that don’t require you to live close to the hospital, you may be eligible to have your travel expenses covered for you and one adult companion to help care for you during travel. Covered expenses may include airfare, hotel fees, mileage reimbursement, and a daily allowance for meals. Your Carrum Health care specialist will even make all your travel plans, so all you have to do is focus on what matters most — you. To find out if your travel expenses are covered, sign in to your Carrum Health account.

I already had surgery. Can I be reimbursed?

Carrum is unable to reimburse members who have already undergone surgery. If you are currently scheduled for one of our covered procedures and are interested in switching to the Carrum program, please register for Carrum and securely message our care team to see if you meet the pre-qualification criteria to have surgery through Carrum Health.

Do I need to provide medical records?

Your Carrum Health care specialist will collect your medical records for you. We work with a vendor that helps us gather your medical records. Once you complete the online release form, your records and images will be collected and sent to your surgeon’s medical team for review. Your Carrum Health care specialist will inform you about specific requirements based on your procedure and help ensure your selected surgeon has the medical information needed to review your case.

What about post-surgery follow-up?

Any post-surgical follow-up care is covered by your insurance, but your Carrum Health care specialist will help make sure you are set up for a successful recovery after treatment. This includes:

• Helping you coordinate the collection of your post-discharge plan and hospital records to share with your selected local provider.

• Helping you select a local in-network physical therapy office as required by your procedure.

More questions?

Activate your account and securely message one of our Carrum care specialists or call 888-855-7806.

What forms do I need to complete?

Required forms will vary based on the type of procedure needed. To view available forms you must complete, sign in to your Carrum Health account. Once you are qualified, a Carrum Health care specialist will help provide any additional forms you may need to complete.

Carrum Health Benefit Frequently Asked Questions

Your surgical consultation, preoperative appointment, and full hospital stay from admission through discharge are all covered. Prescriptions and additional diagnostic testing that may be required as part of your evaluation, such as labs or images, are not included. If additional testing is needed, your Carrum Health care specialist will help you understand what you may need to pay.

What hospitals and doctors are in your network?

When it comes to getting surgery or major medical care, not all providers deliver the same quality of care. The doctors and hospitals in Carrum Health’s program have more experience performing your procedure and lower complication rates than 90% of providers nationwide. To find out what hospitals and surgeons are available, sign in to your Carrum Health account.