Am I a Candidate?
For many people, weight loss surgery is affordable because it is covered by their health insurance plan. People who do not have insurance coverage for lap band and other surgeries must pay for it on their own.
This is called self-pay or cash-pay. Some patients pay for their own surgery and consider it a critical investment in their health.
Whether you have health insurance or opt for self-pay, you will need to prepare detailed written documentation. From diet history to co-morbid conditions, this information will come in handy.
Many people find dealing with health insurance companies to be intimidating and are not sure how to even get started. If your bariatric surgeon recommends surgery, consider the following:
Write a description of how morbid obesity decreases the quality of your life. Be sure to include details such as difficulty walking, socializing, or maintaining personal hygiene. This documentation can be useful for your weight loss surgery program and health insurance company.
If the insurance company turns down your request for lap band or other weight loss surgery, you may be able to appeal the decision. Many people do not take advantage of the appeals process or know of the laws that govern insurance companies in their state.
Assistance is key. It is critical that you work with your bariatric program to determine the correct approach to appealing a denial. We are there to assist you and to help you adhere to your policy's requirements.
Even if you exhaust the appeals options, you still may have options:
Our NewStart program is designed to ensure that when the day of your surgery arrives, you'll be ready and in the best possible condition for a fast, healthy recovery. Choose a location to start finding out if weight loss surgery is right for you.