the answer is yes your insurer can deny you but there's a good chance it won't as long as you follow the rules of your plan. it's likely with any fairly major procedure you'll need to get pre-authorization from your insurer in order to get approval. it will also need to be deemed medically necessary. however if you have kidney stones and they've been causing you significant trouble it's very likely the procedure will be covered in accordance with your plan's guidelines. i suggest you call your insurance company to inquire about what steps you're required to take before going for this type of care and how it will be covered. you may also need to include your doctor in the process to submit any necessary support for your need for this type of care.
cannot deny me coverage for pre-existing conditions. but can they deny payment for kidney stone procedure lithotripsy?