Bariatric Surgery Insurance
Bariatric Surgery Insurance
Suppose your family doctor has given your family the green light to proceed with bariatric surgery in order to permanently address the weight problem of one of your loved ones. The next question becomes whether your insurance company is willing if not obliged to foot the bill for such a medical procedure. A typical gastric bypass procedure costs between $18,000 to $22,000 while putting on an adjustable gastric band requires between $17,000 and $30,000; therefore, any form of bariatric surgery insurance can go a long way into helping your family quickly move forward and resume living a normal life post-surgery.
The cost can be further broken down into surgeon’s fee, anesthesia, and hospital services and this is important because some bariatric surgery insurance providers differentiate between the categories that lead to the total cost. Post-surgery, costs can also arise from modified diet and fitness routines, even therapy to modify behavior and pre-condition the patient to live a different life afterwards and nutritional supplements to help mitigate the effects of a reduced stomach volume.
There are also likely costs associated with cosmetic procedures to remove excess skin that is an unavoidable consequence of the rapid slimming process. These procedures can include a facelift, a tummy tuck, breast augmentation and lift, as well as liposuction.
Different insurance providers in different states have different policies with regard to bariatric surgery insurance. Prior to undergoing surgery, check with your insurance provider if your plan covers surgery and associated fees. Today, there are even companies that offer specialized packages for bariatric surgery patients.
In most cases, bariatric surgery insurance is partially covered by the provider, sometimes up to 80% of the total surgery costs. The operational term in arrangements like this is “customary and usual” which means bariatric surgery insurance only pertains to what is normally expected during a procedure and anything in excess is no longer covered by the provider.
An added development in this front is Medicare’s recent announcement to cover three specific types of weight loss procedures. These procedures are The Roux-en-Y bypass, the open and laparoscopic biliopancreatic diversions, and laparoscopic adjustable gastric banding. Patients can specifically opt for these procedures so Medicare policies can take effect to cover bariatric surgery insurance that might constitute some or all of the associated expenses.
The important thing is to closely work with your insurance provider throughout every step of the process taking careful notes of the procedures that are covered and those that are not. It would lessen the stress if your insurance provider is a willing partner who ably identifies areas not covered so you can go out of your way to raise the necessary money for the surgery. Make sure to be compliant with all the requirements and provide proper documentation so there is no problems in your claim for bariatric surgery insurance.
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