Gets worse, Doctor informed me that I need surgery. Should I file before or after??

[lvmcse]

Boy oh boy. When it rains, it pours. Went to the Doctor today, I have an ankle problem that requires surgery lol. Doctor said I would need to stay off it for 4 months. Should I file before or after BK. My medical bills are covered by my insurance 100%. So there is nothing to add to the bk petition.

As always, thank you to everyone whom has answered my questions.

[keepmine]

I'd wait until after the surgery to file. Don't mean to be a downer but just in case there are unforseen complications that run the bill far higer than expected and your insurance will only pay a portion.

[goon]

I agree, unless there are other pressing reasons to file before I would wait until after not only the surgery but any physical therapy afterwords. I would not trust that the insurance will cover it at 100% until I see the bills (remember that just because you are not charged at time of service does not mean that the dr/hospital/anesthesiologist/physical therapist/... cannot come back and bill you because something wasn't actually covered. I would confirm that they get paid by the insurance before filing if possible... just in case.

[df04527]

Agree with the above.... better safe than sorry...

[AngelinaCat]

I agree with the others as well. Part of our BK was medical--leftover bills from 'HUb's prostate cancer surgery in 2004; an accident August 2007 where I fell and broke my right arm and lleft knee; and 'Hub's November 2007 accident with a skil-saw that treated him to a life-flight to the nearest trauma hospital...

[pamkev]

Agree with all the above posters you just never know with insurancce

[lvmcse]

I agree with the others as well. Part of our BK was medical--leftover bills from 'HUb's prostate cancer surgery in 2004; an accident August 2007 where I fell and broke my right arm and lleft knee; and 'Hub's November 2007 accident with a skil-saw that treated him to a life-flight to the nearest trauma hospital...

Thank you all!!!!

[LadyInTheRed]

Good luck with the surgery and recovery!