Gastric Bypass Surgery
Even though obesity is a diagnosable condition that can lead to major diseases such as diabetes, many insurance companies do not cover obesity treatment. That includes weight loss surgeries such as gastric bypass surgery. This is changing, however. More and more insurance companies are recognizing the benefit of weight loss surgery as a treatment of obesity-related conditions. If you have an obesity-related condition, your insurance may cover this surgery. You will need a letter of medical necessity from your surgeon, and additional information may be needed, however. The approval process can be long in some cases, and you may need to appeal the first decision if it’s not in your favor. This surgery typically costs between $20,000 and $25,000, so it's very difficult for the average person to self-finance.
Related Articles
Cosmetic and Reconstructive Surgeries
Although cosmetic and reconstructive surgeries are both performed by plastic surgeons, they aren't the same. Cosmetic surgeries are performed on normal anatomy, and reconstructive surgeries are performed on abnormal anatomy. Abnormal anatomy may be caused by a birth defect, trauma or illness. There is a fine line between cosmetic and reconstructive surgery and that line usually determines insurance coverage. Cosmetic procedures like breast augmentation, facelifts and nose jobs are never covered by insurance, but some reconstructive surgery may be. For example, if a patient has a nasal obstruction, a rhinoplasty (nose job) may be covered because it will improve the patient’s breathing. Like weight loss surgery, reconstructive surgery typically requires pre-authorization and a letter of medical necessity.
Related Stories:
Fewer Plastic Surgeries, More Botox
Daily Deduction: Medical Expenses
Illegal Medical Bills and How to Fight Them
—For the best offers on home, health and auto insurance, visit our Insurance Center at BankingMyWay.com.
- 1
- 2
