Does Insurance Cover Weight
The good news is that most insurance companies
will cover weight loss surgery!
Remember, weight loss surgery is not cosmetic -- it
is a surgical intervention for a problem which cannot
be effectively treated by any other means. For this
reason, most insurance companies will cover this type
of surgery, assuming that you meet the nationally accepted
criteria. It is important, however, to make sure that
your plan does not specifically exclude weight loss
When you call to make an appointment, our insurance
specialist will ask for your insurance information --
you can usually find this on your insurance card. After
your consultation, the surgeon will compose a "Letter
of Necessity" to your insurance company, stating
all the reasons why your operation is medically necessary.
When all your preoperative testing is done, the letter
will be submitted to your insurance company along with
all the preoperative information. This process is called
"preauthorization" and is required for all
elective surgery procedures. Every insurance company
takes a different amount of time to preauthorize surgery
-- some a few days, others a few weeks, and some a few
Once you have your insurance approval, we are clear
to move forward with surgery. If your insurance denies
the preauthorization, you have several options available.
The first step would be to appeal the denial. If this
is unsuccessful, you may request an outside reviewer
to examine your request. Finally, there are some legal
firms that specialize in helping overweight individuals
get approval for surgery. As a last resort, some patients
have switched their insurance to a different company.
Luckily, these more drastic measure are rarely needed.