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Will Insurance Cover Bariatric Surgery?

Published Monday, October 27, 2008 by bloggerblognet22596 | E-mail this post

Many people opt for surgical procedures to remedy some of their health problems. One of the most popular of the surgeries performed perhaps would be Bariatric surgery. This kind of surgical treatment is aimed at morbid obesity. Morbid obesity can be defined as excessive overweight syndrome wherein a patient cannot lose weight by any conventional means like dieting or exercising. Morbid obesity, when not treated sooner and earlier, will further lead to complications like artery blockage, heart ailments, hypertension, arthritis, movement difficulty and so much more.

When one has difficulty or no success in losing weight through regular exercise and various diets, including fad diet regimens, he or she can consult the doctor for surgical means of losing weight. Bariatric surgery is considered medically necessary because of the nature of morbid obesity, a condition that is life threatening.
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Medical insurances cover surgical procedures that are considered "medically necessary" but not all companies cover Bariatric surgery procedures. This kind of medical insurances are said to have exclusions written into them regarding various weight loss surgical procedures like gastric bypass and lap band surgery. If this is the case about your medical insurance, there is no chance for any insurance coverage if you undergo Bariatric surgery.

In order to be sure, you can call your insurance company and inquire about your medical coverage particularly if you are covered for a possible weight loss surgery. Once you are accurately certain that your insurance policy covers Bariatric surgery and your doctor recommends it for your condition, then there's no reason for you not to undergo the procedure.

Your insurance company will need to have a copy of recommedation letter from your doctor for the weight loss surgery for the processing of approval documents of the insurance coverage. Once everything has been properly processed, you can undergo the procedure right away.

When your insurance company has denied any coverage for the surgery, don't lose hope. In so many cases, additional information provided by the hospital or the doctor in the form of appeal letter will result in approval of insurance coverage. Many hospitals have insurance specialists in their staff that can help you go through to your insurance company and help you win their approval.

Some of the records required by your insurance company prior to the coverage approval may include a detailed diet history, current height, weight, and body mass index or BMI, a list of all co-morbidities that are or may be caused by your morbid obesity, a psychological evaluation, a thorough medical history, internal medicine clearance, a recent medically supervised diet history, medical records documenting your history of morbid obesity and certain medical tests.

These records and documents will support your plea for insurance coverage of your weight loss surgery.

Weight loss surgery

Gastric bypass surgery

Surgery

Dr. Jim Greene would like to invite you to visit the resources above if you are interested in learning more about weight loss surgery and other various surgery procedures.

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Will Insurance Cover Bariatric Surgery?

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