The average time from considering weight loss surgery to finally performing the operation is 3 years, one study reveals. You will spend a great deal of time learning, researching, and chatting about the surgery with postoperative patients.
Gastric bypass surgery’s estimated cost is $23,000, a lap band’s average cost is $14,500, and sleeve gastrectomy’s average cost is $14,900. But before you meddle too much, it is a smart idea to take the time to see if the weight loss surgery will protect the insurance.
Weight reduction procedures are typically conducted on patients in the middle and upper classes. Many people can not afford $20,000 for weight loss before considering weight loss surgery. Yet today, more than ever, insurance providers are beginning to pay the expense of treatment for weight loss.
In order to pay for the surgery, should I use insurance or cash?
When seeking weight loss surgery, insurance is typically the safest choice. Many interventions, however, are not protected by insurers. There has been no coverage of gastric cuffs, duodenal chains, micro gastric bypasses and other “experimental” treatments in the past. Today , the majority of large insurance providers usually cover gastric cuffs, laparoscopic gastric bypass and lap gastric bands. This, though, does not generally mean that coverage is included in the policy.
It depends on the contract, not the carrier of the insurance.
While most insurance providers have some form of compensation for weight loss surgery, the particular policy will tell you exactly what it is and what it is not. Any plans expressly ban surgery for weight loss. Many health providers bill extra when weight loss surgery is provided. For this reason, to see if you have insurance policies, you can review your contract. It is safer to explicitly contact your agent (usually the number is on the back of your insurance card).
You’ve been insured!
With premiums covered, it’s time for a surgeon to be found. We propose that you attend a few lectures and visit at least two distinct bariatric surgeons. Choosing a great bariatric surgeon will walk you through this post.
I’m not insured here.
You’ve still got choices. Bear in mind that it took a long time for you to gain weight and for most of your life you have actually been trying to lose weight. Be diligent and concentrate on going to the surgery.
- Call Human Resources when it is time to pick your incentives for the year and inquire directly about surgery for weight loss. The PPO package on offer also requires weight loss surgery reimbursement, although the HMO plan does not. And if none of the health policies provide surgery for weight loss, ask why. There is ample proof of the health effects of surgery for weight loss. The surgery will not only alter your life, but will also make you a more efficient employee!
- Consider a medical loan. Most bariatric services partner with businesses who provide loans to people that are not covered by insurers who wish to undergo bariatric surgery. If they deal with financial firms for loans, ask the bariatric surgeon.
- Your vehicle is expected to cost more than a bariatric surgical operation. What ones are going to make you happier and make you sleep better?
- Find a job with remarkable advantages. Yeah, in some situations, simply because of results, it might make sense to search for a new career.
- Medicaid normally provides treatment for weight loss. Are you Medicaid eligible? Will it make sense for you to just turn to one of these insurance providers to offset the cost of surgery for weight loss?
- Be sure the federal Medicaid coverage covers weight loss surgery before switching.
Certain states have regulations that compel insurance providers, once the applicant fits the NIH health requirements, to fund weight loss surgery. And not all insurance providers are going to cover the whole operation. Some will cover the procedure but not the anesthesia or an overnight hospital stay. While other insurance companies do not cover any form of weight loss surgery.
How Do I Get Approved For Bariatric Surgery?
Dealing with insurance approval and rejection and appeals and denials creates a roller-coaster of emotion. Let the experts do their part. Your surgeon should have an in-house expert that will contact your insurance and start the process for approval.
Do not assume that your job is finished after you’ve been approved!
Make sure you are staying on top of your duties and appointments. There will be many. Keep documented records of everything and check in with the specialist regularly.
This is also a great time to change bad habits. You’re on your way to getting a life-changing procedure. Start changing your eating and exercising habits now or the change after surgery will be harder to make. Remember, surgery does not guarantee success. In fact, if you don’t change your habits, even though you’ve had weight loss surgery you will fail. And surgery is actually easier for the surgeon if you’ve lost some weight before surgery. This decreases the size of your liver which makes it easier during the operation and it decreases your risk of complications due to anesthesia.
Where Do I Find Coverage Requirements For My Policy?
Each insurance provider will require different documents and different tests. They may also require that you visit approved specialists. These can range from an approved psychotherapist to an approved cardiologist.
The best thing to do is to call your insurance company or your HR department if your insurance is supplied through work. We have our own list that you can check as well.
Certain states have laws that require insurance companies to pay for weight loss surgery if the patient meets NIH health criteria. And not all insurance companies will pay for an entire procedure. Some take over the procedure, but not the anesthesia or an overnight stay in hospital. While other insurance policies do not cover any form of weight loss surgery.
How do I get approval for bariatric surgery?
Dealing with the approval and rejection of insurance, as well as appeals and rejections, creates a roller coaster ride of emotions. Let the experts do their part. Your surgeon should have an in-house expert to contact your insurance company and initiate the approval process.
Don’t assume your work is finished after you get approval!
Make sure you have your duties and deadlines under control. There will be many. Keep documented records of everything and report to the specialist regularly.
This is also a good time to change bad habits. You are on your way to a life changing process. Start changing your eating and exercise habits now, otherwise the change will be more difficult to make after the operation. Remember that surgery is not a guarantee of success. In fact, if you don’t change your habits, even if you have had weight loss surgery, you will fail. And surgery is actually easier for the surgeon if you’ve lost some weight before surgery. This will reduce the size of your liver, making the surgery easier and reducing the risk of complications from the anesthesia.
Where can I find the coverage requirements for my insurance?
Every health insurance company requires different documents and different tests. You can also request that you see a licensed specialist. These can range from a licensed psychotherapist to a licensed cardiologist.
It is best to call your insurance company or HR department if your insurance is covered by work. We have our own list that you can check out as well.