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Just did some quick searches and it appears that some insurers may partially reimburse the policy holder.As someone who's had a hernia operation it shouldn't be considered elective and out of country is considered out of network.
I hear you on the “elective” designation. I had severe back pain problems a few years back and had “elective” surgery. To me it was a necessity, but hey, I’m not a doctor or an insurance company CEO so what do I know.