Will Insurance Cover Lap Band Weight Loss Surgery Costs?

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Many insurance have started to fully cover lap band weight loss surgery. Their previous reluctance to pay for such surgeries was due to cost, $25,000 for a routine operation. Paying for the operation by themselves was the only choice for people struggling with being obese. Insurance carriers have analyzed statistics, and quite a few have decided that there are decided advantages to covering lap banding, or lap banding weight loss surgery. Since lap banding works, helping people lose weight, insurance companies see the costs associated with obesity reduce significantly. This saves money over time. Weight connected medical conditions can be costly and insurers are seeing a huge savings.

Insurance coverage for lap band weight loss surgery varies by insurer and state. If you are considering having this type of operation, it is important to work with your doctor and insurance company to see what is or is not covered. Before many insurance carriers consent to pay for these operations, individuals must meet certain requirements and must be prepared for approval process, which can take an inordinate amount of time. In order to be selected for insurance coverage for lap band or any kind of weight loss surgery, most companies insist that the patient keep thorough files and send copies of everything to their insurer.

Obesity is an expensive health problem. Those suffering from being overweight have many kinds of other health connected diseases including high blood pressure, strokes, arthritis, heart disease, respiratory problems, sleep apnea and diabetes. It is said that overweight individuals and insurance carriers spend over $238 billion dollars treating obesity connected health issues. In addition, overweight individuals are more likely to suffer an early death than patients who are of normal weight. Health insurance carriers are starting to realize the amount of money spent on these illnesses and are beginning to cover many aspects of weight loss surgery. Covering these types of procedures helps both the individual and the insurer save a lot of money over a period of time.

The first step in getting approval for weight loss surgery is to make sure you meet the National Institutes of Health criteria. This generally states that individuals must be morbidly obese before qualifying for the operation. This means that patients should be 100 pounds or more overweight or twice their body mass index or BMI rating. Sometimes insurers will allow these types of surgeries on individuals who weight less than 100 pounds, if that person has a debilitating illnesses that is directly associated to obesity.

Everyone thinking about lap band surgery should completely understand their insurer’s policy concerning these types of operations. If you get in touch with your insurance company to ask questions, be sure to document all forms of correspondence. What’s more, before seeing a weight loss surgeon, it is always a good idea to get a referral from your primary care doctor and make sure you have their support. Insurance companies are more likely to approve a operation when they know another physician feels the operation is necessary. It is also recommended that a potential lap band weight loss surgery patient have verification and itemized records of everything connected to their weight concerned issues. This includes fees for weight loss programs, diet centers and fitness club memberships.