Er, no, although that was a funny way for the parent to phrase it.

It might be more accurate to phrase it as "depending on your insurance, your insurance may pay for it if it's covered AND you _meet_the_criteria_ for the procedure."

For example: You may run into a situation where your doctor says "You know, it would be good to replace this now" and the insurance company says "Thank you for your professional opinion; our table says that we're not replacing it until criteria X is also satisfied"