See that little sucker there in the picture called the Median nerve?  You won’t believe this but that nerve runs from your forearm into the palm of your hand.

Amazing.  There are a lot of discussions on the web about computer use and Carpel Tunnel Syndrome and pretty much nobody agrees if computer over use causes the problem or not.

One thing is for certain, you will need medical treatment for the problem.  That’s where a good Medical Insurance plan comes in.  If you have a Medical Insurance plan that offers doctor co pays that’s going to be very helpful because that’s where your initial treatment will begin.  Unless you have a Medical Insurance plan that doesn’t cover anything before you meet the deductible, most Medical Insurance plans offer some type of co-pay or cost sharing when you go to see your doctor.  Early diagnosis and treatment are important to avoid permanent damage to the nerve.  Your doctor will check your hands, arms, shoulders and neck to see if the pain is coming from an underlying disorder, or from other painful conditions that might mimic carpal tunnel syndrome.

Your doctors will probably also order lab tests, and X-rays in order to rule out diabetes, arthritis, and fractures.  As mentioned above the doctor visit will probably be covered by the doctor co-pay that your Medical Insurance provides.  X-rays and Lab tests are usually subject to the deductible.  What does that mean?  Say your Medical Insurance policy has a $2500 deductible and then the Medical Insurance provider will pay 80% of the bill and you will pay 20% of the bill.  However, you will probably be able to take advantage of the network discounts your Medical Insurance provider has negotiated.  I use the word probably because some Medical Insurance policies do not allow you to use the network discounts until you have met the deductible of your Medical Insurance plan.

Most likely you will go through several months of nonsurgical treatment before surgery is even considered, unless you are showing symptoms of nerve damage.  In that case surgery would be more urgent.  As far as your Medical Insurance is concerned you would be responsible for the deductible that you chose when buying your Medical Insurance.  After that, you would be responsible for any co-insurance until you reached your maximum out of pocket as stated in your Medical Insurance policy.

This from webmd.com “carpal tunnel release surgery is used to reduce the pressure on the median nerve in the wrist.  This is done by cutting the ligament that forms the top of the carpal tunnel.  Cutting this ligament relieves pressure on the median nerve.  Any other tissue (such as a tumor) that may be putting pressure on the median nerve can also be removed during surgery”.

Medical Insurance

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