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Resources to Get Insurance to Pay for Bariatric Surgery

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Bariatric Insurance Resources

Obesity is a scourge on America. Unfortunately, greater education about nutrition and exercise does not seem to be resolving the problem. An all of the above approach should be the priority for all elements of the healthcare system. Since it’s often difficult to get insurance providers to provide coverage, you will benefit from resources to get insurance to pay for bariatric surgery. 

Advantages to Weight-Loss Surgery

When all efforts at weight-loss have failed or health and severity of obesity indicate an intense need for intervention, weight-loss surgery can be an excellent option. Bariatric procedures work in one of two possible ways: either by limiting the capacity for food within the gastric system or limiting the ability of the system to absorb calories. 

Bariatric surgery can increase life expectancy and alleviate medical issues. From hypertension to asthma and even arthritis, losing weight can be incredibly beneficial to living a comfortable life. 

For those with a BMI of at least 35 and a health complication related to weight, weight-loss surgery should be considered. 

Determining If Insurance Will Cover the Procedure

Far too often, insurance denies coverage for bariatric procedures. Even though the consequences of obesity are costly and widespread, many insurance companies haven’t recognized the great potential benefits of covering the procedures. 

Even when your insurance company should by all rights cover your procedure, you’ll likely experience a maze of bureaucratic nonsense. Multiple denials, requests for information, and instances of stalling are all common, so having patience and the willingness to persevere are badly needed to make sure that you can transform your life with a procedure for weight loss. 

Locating a plan that will cover bariatric surgery can be tricky to begin with. The most likely possibility is to have a group plan wherein the employer has identified bariatric surgery as a covered element.

Within the United States, six states require that bariatric procedures be covered. They include Maryland, Indiana, Illinois, New Hampshire, Virginia, and Georgia. The only way to really know if you have coverage is to call and ask or search through your plan and read it for yourself. 

Persist and Persevere

When you’re denied coverage but you’re certain that you should be covered, don’t simply accept it! Persist with calls, gather further evidence that you need the procedure for medical reasons, and file appeals. The insurance company’s goal is to make profits, and denying your claim is one denial among many.

If Coverage Simply Isn’t Going to Happen

When you can’t get your current insurer to cover bariatric surgery, change insurance plans. You might switch to your spouse’s plan, change jobs, buy a marketplace plan, or decide to forego with insurance and address the costs of the surgery instead.

While you should take heed of all resources to get insurance to pay for bariatric surgery, you must also be aware that sometimes you can’t win. You might instead ask about in-house financing, secure a loan, or save the needed funds. You should also remember that traveling to Mexico is a safe and affordable option for those who need bariatric surgery and can’t get it paid for through insurance. 

https://www.medicare.gov/coverage/bariatric-surgery

https://www.insure.com/health-insurance/weight-loss-surgery.html

Carol has been writing about financing and money related topics since 2009. Carol has written for some of the largest online publications and has a degree in Economics.

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