Here are the answers to some of the questions we’re asked most frequently. If you have any other questions, please call the Milton Keynes Orthopaedics office – Karen and Zoe, on 01908 668148. If the secretaries are engaged on another call, or unable to answer, please leave a name and number and they will return your call as soon as possible.
If you ring the Saxon Clinic, or your insurance company, to arrange an appointment, you are likely to be put through to the BMI call centre, who will arrange an appointment for you. The availability of options for your appointment is much wider if you book directly with the secretaries at Milton Keynes Orthopaedics office – Karen and Zoe, on 01908 668148. If the secretaries are engaged on another call, or unable to answer, please leave a name and number and they will return your call as soon as possible.
The overall responsibility for payment of any fees lies with a patient, as any contract is between Mr. Flynn and a patient. Many individuals have Private Medical Insurance (PMI), which covers the cost of private treatment to certain levels. Most insurance companies will issue an authorisation number to patients, once referred by a GP, to confirm they have agreed to cover all, or some, of a treatment. Increasingly, insurance companies may have ‘in-house’ assessors who can give authorisation without a GP referral. If a patient attends a consultation, or receives treatment, prior to obtaining an authorisation number, their insurance company may not agree to cover the cost of that consultation or treatment, and the costs are, therefore, the direct responsibility of the patient.
All consultation fees have been agreed and approved to be fully covered by all major insurance companies. (Insurance excess notwithstanding).
Most insurance companies will have an excess policy for which an individual, as a patient, is liable, and expected to pay in each insured year that you make a claim. The excess payment will be determined by your insurance company and may need to be paid for an investigation, consultation, treatment or operation, but is generally payable only once a year. An excess payment is usually additional to any treatment that an insurance company deems they will not cover.
Over recent years, insurance premiums have risen by around 7% per year. Hospital fees have risen similarly. However, operative fees for surgical procedures have previously remained relatively static for approximately 20 years, until recently. A number of insurance companies have now reduced the fees they will pay towards surgical fees, some by as much as 45 % reduction. Mr Flynn’s surgical fee charges are broadly in line with rates allowed by WPA insurance company. Some procedures with some insurance companies are liable to a small shortfall. If this were likely to apply, then the position would be discussed with you in clinic and any liability made specifically clear. Please read the attached link for further clarification, and please do not hesitate to ask if a shortfall might apply.
Crutches are used to protect a limb or joint, to reduce pain on weight-bearing, reduce the risk of a leg giving way if muscles are weak post-operatively and reduce swelling and improve recovery in the longer term. Not all operations on the lower limb require the use of crutches. The length of time you may need to use crutches is suggested in the overview of each procedure.