No insurance coverage for bariatrics

[Hello Bean 0]

According to my plan, I have no coverage for bariatric services. Has anyone been successful in getting coverage in that situation? In other words, does "No" always mean "No"?

[Deuces 1]

The insurance companies always say no and try to bully you, but you can appeal it and have it re-reviewed. You need to be persistent and don't take no for an answer.

[BetsyB 9]

No means no. Your employer made the decision to exclude bariatrics--and there's no way around what is stipulated in the contract.

You can, however, lobby for a change in policy---if you make enough noise (and point out the costs of NOT providing the care--because obesity tends to cost tons more than WLS)--your company may choose to change their insurance contract when it's time to renew/change.

The insurance company will give you what your employer has agreed to pay for. The place to focus your attempts for change is your employer.

[outside*looking*in 0]

I agree with Betsy. I was in the same boat with my insurance. I decided to do it anyway as selfpay. I have heard of people finding out if they happen to have a hernia and having the insuance cover a hernia repair surgery and then they pay the doc the difference for putting in the lap band. I did not explore that option, ended up having a hernia repair and now I am trying to see if I can get them to cover any of it after the fact. It would have been better to try BEFORE. Just a thought. Best of Luck

[anglov 0]

My employer excluded it even if medically necessary. I am going self-pay. It would have been nice to have insurance cover it but this is for me so I will do what I have to do.