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Surgery Coverage in California

Need surgery? All Covered California plans cover medically necessary surgical procedures. Learn about costs, prior authorization, and how to minimize your out-of-pocket expenses.

What's Covered

All Covered California plans cover medically necessary surgery, including:

  • Inpatient surgery: Procedures requiring hospital admission
  • Outpatient surgery: Same-day procedures at surgery centers
  • Emergency surgery: Covered even at out-of-network hospitals
  • Surgeon fees: The operating surgeon and assistants
  • Anesthesia: Anesthesiologist fees
  • Facility fees: Operating room and hospital charges
  • Post-surgical care: Follow-up visits, physical therapy
Cosmetic Surgery: Elective cosmetic procedures are not covered. However, reconstructive surgery (like after an accident or mastectomy) is covered.

Surgery Costs by Plan

Your out-of-pocket cost depends on your plan and whether surgery is inpatient or outpatient: a plan charges a copay or a percentage for the facility and the surgeon, and on some plans the deductible comes first. These are the deductibles and out-of-pocket maximums of Covered California's standard 2027 plans:

Plan (2027) Deductible Out-of-Pocket Max
Bronze 60 $5,800 $11,650
Silver 70 $4,700 $11,650
Gold 80 $0 $9,600
Platinum 90 $0 $5,500
Out-of-Pocket Maximum: Your covered in-network costs are capped at your plan's annual maximum. For 2027 the federal limit for most plans is $12,000 for one person and $24,000 for a family, and many plans have a lower maximum. After reaching your plan's maximum, your plan pays 100%.

Prior Authorization

Most non-emergency surgeries require prior authorization from your insurance:

  1. Doctor submits request: Your surgeon's office handles this
  2. Insurance reviews: Plan verifies medical necessity
  3. Decision (usually 5-15 days): Approved, denied, or more info needed
  4. Appeals if denied: You can appeal the decision
Tip: Start the authorization process early. Complex surgeries may take longer to approve.
Surgeries Often Requiring Prior Authorization:
  • Joint replacement (hip, knee)
  • Spinal surgery
  • Bariatric surgery
  • Cardiac procedures
  • Organ transplants
  • Some cancer surgeries
  • Certain imaging before surgery
  • Extended hospital stays

Inpatient vs Outpatient Surgery

Inpatient Surgery

Hospital admission for 1+ nights

  • Major procedures (heart, joint replacement, etc.)
  • Higher facility costs
  • Per-day copay or coinsurance
  • Includes room, nursing care, meals
Outpatient Surgery

Go home same day

  • Minor procedures, arthroscopy, biopsies
  • Lower facility costs
  • Single copay or coinsurance
  • Can be at hospital or surgery center
Ambulatory Surgery Centers: Outpatient procedures at standalone surgery centers often cost less than the same procedure at a hospital.

Tips to Reduce Surgery Costs

  1. Verify everyone is in-network: Surgeon, anesthesiologist, assistant, facility
  2. Ask about surgery centers: May cost less than hospital for outpatient procedures
  3. Time your surgery: If you've already met your deductible, surgery costs less
  4. Get a cost estimate: Ask your plan for an estimate of your costs beforehand
  5. Review your bill: Check for errors and ask for itemization
  6. Request a payment plan: Most hospitals offer interest-free options

Planning a Surgery?

Our agents can help you understand your coverage and find a plan that minimizes your surgical costs.

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