
Typically, insurance covers hemorrhoid surgery and treatment, but the extent of coverage varies depending on the type of insurance and the severity of the condition.
Most health insurance plans cover hemorrhoid removal surgery, also known as hemorrhoidectomy, as an inpatient or outpatient procedure.
However, insurance may not cover treatment for hemorrhoids that are not severe enough to require surgery, such as rubber band ligation or sclerotherapy.
Some insurance plans may also have specific requirements or restrictions for coverage, such as a waiting period or a minimum deductible.
Insurance Coverage for Hemorrhoid Surgery
Most health insurance plans cover hemorrhoid surgeries for patients with symptomatic hemorrhoids.
The cost of hemorrhoid treatment can vary, depending on the type of hemorrhoids and the severity of your condition.
If you have a good insurance plan, the cost of hemorrhoid treatment shouldn't deter you, as most major insurance plans cover it.
Your out-of-pocket costs for hemorrhoid banding procedures may be significantly lower than the average price, depending on your insurance plan.
Medicare covers hemorrhoid banding, and most Medicare recipients pay between $80 and $197 for rubber band ligation.
You should check the details of your insurance policy before purchasing it to understand the terms and conditions around coverage and the amount you can claim.
Cost and Affordability

If you opt for a health insurance policy with sufficient coverage, it can help alleviate the financial burden of hemorrhoid treatment. In-patient hospitalization costs, including pre-hospitalization and post-hospitalization expenses, are typically covered by the insurer.
You can expect your insurance plan to cover the costs of hospitalization, including expenses like doctor consultations, preliminary procedures, and diagnostic tests. These costs can add up quickly, so having insurance can provide significant financial relief.
Pre-hospitalization costs, such as doctor consultations and preliminary procedures, are usually covered by the insurance plan up to a pre-specified period. This can help you cover the expenses before you're hospitalized.
Post-hospitalization costs, including consultation and diagnostic tests, are also covered by the insurance plan up to a pre-specified period. This can help you recover financially after your treatment.
Ambulance charges and daycare treatment costs are also typically covered by the insurance plan. This can help reduce the financial impact of hemorrhoid treatment.
Here's a breakdown of the costs covered by a health insurance policy:
- In-patient hospitalization
- Pre-hospitalization costs
- Post-hospitalization costs
- Ambulance charges
- Daycare treatment
Hemorrhoid Treatment

Treatment of piles is covered under both Mediclaim and health insurance. However, the terms and conditions around the coverage and the amount you can claim under health insurance and Mediclaim may differ for each patient.
Most major insurance plans cover the cost of hemorrhoids treatment, so it shouldn't deter you from seeking help. The cost can vary depending on the type of hemorrhoids and the severity of your condition.
If you have a good insurance plan, you can get hemorrhoid procedures covered. Our staff at Premier Surgical Hemorrhoid Treatment Center is happy to assist you with any questions regarding coverage.
Most health insurance plans cover hemorrhoid surgeries for patients who are experiencing symptomatic hemorrhoids. This includes hemorrhoid banding procedures, which can significantly lower your out-of-pocket costs.
Medicare covers hemorrhoid banding, and most Medicare recipients pay between $80 and $197 for rubber band ligation.
Expand your knowledge: Blue Shield Covered California
Frequently Asked Questions
Who qualifies for hemorrhoid surgery?
You may qualify for hemorrhoid surgery if your hemorrhoids are large or bleeding significantly, making non-surgical treatments ineffective. Surgery is typically considered for severe cases that cannot be treated with rubber band ligation or infrared coagulation.
Sources
- https://www.pristyncare.com/treatment/piles/insurance/
- https://www.premiersurgical.com/01/hemorrhoid-treatment-covered-by-insurance/
- https://www.adlermicromed.com/how-much-does-hemorrhoid-banding-cost/
- https://www.cigna.com/knowledge-center/hw/medical-topics/hemorrhoidectomy-hw212391
- https://www.oregansystem.com/oregan-system/cost-insurance/
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