Yes, that's how I ended up with a hemicap... OH well.
Not only that, insurance wouldn't pay for it.
Not to bring up old and annoying times, but I'm really curious about whether you paid for the hemicap. I would never have dreamed that the language giving them the authorization to "do whatever procedures necessary" would extend to procedures that your insurance coverage wouldn't pay for.
I'm just astounded by that.
Since I may be somewhat close to a total knee replacement or two, I'm going to pencil in a note when they bring that form for me to sign. My note will say something along the lines of "if you do it and my insurer won't pay for it, you bought it!".
Yeah, we eventually got Cigna to settle for somewhat less than the $10K they wanted ... in the end we were out an extra $2K or so compared to what the original surgery would have cost, and did think about going after it with the doctor, but I decided it wasn't worth it. We ended up changing both insurance carriers and doctors, and I just chalk it up to an expensive lesson.
I was upset with Cigna for a long time, because they declined coverage on the basis that hemicaps were experimental, but now... I kinda see why they say no.