Insurance Issues

[shortsoprano72 11]

Does anyone know of any Individual Insurance Company plans that cover Bariatric Surgery?

[Tobeornottobe 89]

Most insurance plans cover it. Bariatric surgery is optional so employers can opt out. You can contact an insurance broker or check the health insurance exchange (healthcare.gov) for what you need. Pricing will vary depending on insurance company and options. Deductibles also vary.

So to that end, what information are you looking for exactly?

[Susan66 128]

​I now have MVP and they do cover Bariatric Surgery.

[shortsoprano72 11]

I've contacted several Insurance Companies that have told me they don't cover Bariatric surgery. I have an Individual plan.

[Inner Surfer Girl 12,015]

If you are in the US, It really varies by State. If your state requires obesity treatment then most plans are required to cover it under the Affordable Care Act. If not, then it is very hard or impossible to find individual plans that cover it and rare to find employer plans that cover it unless it's a large, nation-wide employer or the employer is willing to pay extra and negotiate for the coverage (which is rare). So, basically it depends on the state.

[shortsoprano72 11]

Inner Surfer Girl, you are so right. My state doesn't cover it. It's disheartening.

[shortsoprano72 11]

I'm praying for a financial blessing so that I can get it paid for.

[Tobeornottobe 89]

That sucks this is happening. Does your state have it's own exchange?

[shortsoprano72 11]

They don't have their own coverage so my doctor is trying me on Adipex.

[Tobeornottobe 89]

I'm confused. Do you have coverage through an employer or through the healthcare exchange? If its through the employer, the employer has probably chosen to opt out. If this via the state exchange, you may live in a state that excludes bariatric surgery as a necessity. If your employer has opted out, suggest talking to your benefits manager. If your state excludes contact the department of insurance in your particular state and appeal your case.

[shortsoprano72 11]

It's through the Health Market. When I contacted the State Insurance, I was told that they couldn't help me.