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WHAT IS COVERED

Second Opinions

Before having surgery or a medical procedure, you may want to get a second opinion. If you do, you have up to six months after the initial recommendation and six months before the date of the surgery or procedure to get the second opinion.

The Plan will cover the allowable expenses of the second opinion visit and any related tests, unless the doctor providing the second opinion performs the surgery. In that case, any charges relating to the second opinion are not considered allowable expenses and will not be covered.

A third opinion is also covered if:

  • The second opinion does not agree with the initial opinion; or
  • The second opinion agrees with the initial opinion, but the third opinion is different.

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