Obesity is a dangerous disease that can lead to many health complications. Many people struggle to combat obesity through simple diet and exercise and have to turn to surgical procedures to aid in losing weight. Although the procedures are expensive, some policies include weight loss surgery insurance coverage.
Check out a copy of your policy and read the fine print. Often times, the insurance policy will have a section that lists all procedures that are not covered by the company. If on that list, the company specifies procedures related to weight loss, chances are you will have to pay out of pocket for the procedure.
In order for the procedure to be eligible for coverage by your company, it will have to meet some guidelines. The first guideline is that it is necessary for you to be healthy. Being overweight can cause many physical, mental and emotional problems that are often life-threatening. If your doctor does not support the procedure, the chances of having your company approve it are very low.
If the procedure is going to be considered a medical necessity, patients must prove that other methods of shedding the pounds have failed. Sometimes insurance companies require that the patient provide proof of following a strict diet developed by a nutritionist for at least 6 months. If the diet was unsuccessful, it can be used as proof of necessity for the procedure.
In addition to talking to a medical doctor, any cosmetic surgery patients must talk to a psychologist. This is routine and often times the professional is provided by the surgeon’s office. The evaluation is often part of the screening process to make sure you are of sound mind.
Policies of coverage can be complicated and difficult to understand. Talk to your prospective surgeon for advice. They have tons of experience working with patients and their companies and should be able to advise you well. There are certain strategies you can use to make it more likely that your company will cover the costs.
Nowadays, because of the steadily increasing rate of obesity, companies are trying to get out of having to offer weight loss surgery insurance coverage. The more obese individuals there are, the more common the procedures are becoming. That means that companies that offer coverage have to shell out more and more money. You might be better off searching for an alternative way to cover the costs.
Although the benefits are significant, there are also dangers to weight loss surgery, making the purchase of weight loss surgery insurance a wise investment. You can learn more about this type of policy by visiting the website at http://www.weight-loss-surgery-insurance.com .