Hello! They mentioned at the seminar that each insurance policy has to have the rider for the surgery. I called my insurance and asked. You could call the office or send them an email, but I think they are going to say wait until the seminar. If I talk to them, I will ask them. With most of the insurances they said if your insurance covered it, you should be all set. They did say Medicare/medicaid were not covered, but they mentioned the out of pocket cost may be higher with some insurances, but I'm not sure which ones. I looked through my packet and it doesn't mention HP. Basically it's a long answer that says I don't know, but I will ask if I get a chance:wink2: