insurance

[dixie36 0]

ok so i have been batteling trying to have this surgery for yrs now. i don't know what to do. i go to the seminars and the next day when i try to make an app. with the surgeon they call my insurance company and my insurance says they wont cover the surgery. so they say i cant make an appt unless i payout of pocket. my primary care dr is on board with everything i just dont know what to do from this point can someone please tell where to go from here please!!!!!!!

[MustangMama 2]

You are gonna have to get different health insurance or pay for the surgery yourself if your current insurance policy doesn't cover it. That is pretty much your only 2 choices.

[Petunias 2]

Who is your insurance company? I'd read my policy carefully myself to see if they cover it. A lot of times the person on the other end of the phone gives misinformation. If you read that they do cover the surgery - go back to your primary care physician and have them actually submit the paperwork to request for surgery approval.

Best wishes!

[Bluegreen 0]

I recommend calling your insurance company's customer support line. The number should be on the back of your card. They can tell you if weight loss surgery is a covered benefit. If it is, they will provide you with their requirements. If it's not a covered benefit on your plan, then their is nothing you can do except pay for it yourself. Insurance companies are not required to cover the procedure. Before you give up, call them yourself. That way you will know for certain where you stand.

[dixie36 0]

Who is your insurance company? I'd read my policy carefully myself to see if they cover it. A lot of times the person on the other end of the phone gives misinformation. If you read that they do cover the surgery - go back to your primary care physician and have them actually submit the paperwork to request for surgery approval.

Best wishes!

my insurance is aetna, i have called and talk to them but even when i ask if its medically neccassary they say no it wont be covered. im just so upset i have tried for so long. its medically neccsary.

[Jewel28 5]

my insurance is aetna, i have called and talk to them but even when i ask if its medically neccassary they say no it wont be covered. im just so upset i have tried for so long. its medically neccsary.

Well it depends on the plan your employer has purchased, they may not have purchased a plan that covers wls.

[Bluegreen 0]

Not all insurances cover bariatric surgery. It doesn't matter whether it's medically necessary or not. Most of the offices have financing available at low interest rates. Some people justify the cost of the surgery by looking at the cost savings of losing weight. For instance, you may no longer need some medications that you currently pay for. The cost of being obese can be significant. We spend more on food, clothing and healthcare than thin people. I heard someone say they save $700 per month now that they have lost weight. It wouldn't take long to pay for surgery at that rate.

Do you have other options for health insurance? If you are under 25, you may be able to be covered under your parents insurance. Or, if you are married or have a partner, you may have the option of joining their health plan.

There may be more options than you think for getting the surgery paid for. It may take some research and just laying out all of your options.