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Gastric Bypass Surgery - Will Insurance Pay?
Craig Thompson




As the number of Americans diagnosed as severely or morbidly
obese continues to grow, so does the need for
href="http://www.renewedreflections.com/news/insurance-coverage/"
>gastric bypass surgery. Insurance companies are
increasingly aware of this medical need, and many have
integrated coverage for gastric bypass surgery into their
policies in cases where the surgery is deemed medically
necessary.




Prior to considering any sort of
href="http://www.renewedreflections.com">weight loss surgery
, you should make sure that you fall within the guidelines
as outlined by The National Institute of Health (NIH). Obesity,
in general, is determined by one's Body Mass Index (BMI). This
is calculated by dividing your weight in kilograms by your
height in meters squared.




Qualifying for Insurance Coverage



To qualify as an ideal candidate for
href="http://www.renewedreflections.com">gastric bypass surgery
under NIH guidelines, a patient's BMI must be 40 or higher.
(A BMI of 40 is roughly 100 pounds overweight for men and 80
pounds overweight for women.) A patient with a BMI between 35
and 39.9, who has been diagnosed with a serious obesity-related
health issue (e.g., severe sleep apnea, heart disease, or Type 2
diabetes), may be eligible for the surgery, as well. The NIH
also emphasizes that understanding every detail of the operation
and the changes within your own lifestyle that you will need to
make is of extreme importance.




Before deciding to move forward with gastric bypass surgery, you
should investigate the terms of your insurance coverage in
depth. Some insurance companies have made exclusions for
employers, meaning that your employer may have the option of not
covering the procedure even if it has been determined a medical
necessity.




Gathering Evidence



Your insurance company may require a physician's documentation
proving your history of severe or morbid obesity. Your primary
care physician can provide copies of your office visit records
that demonstrate ongoing weight issues. (Your insurance company
will only want to see specific visit records a letter from your
physician describing your ongoing obesity is not acceptable.)
Also, be sure to include documentation from both present and
past physicians who have treated you.




Your insurance company may also require you to submit all
records of medications your physician has prescribed to you for
the purpose of weight loss. Additionally, records from any diet
programs you have participated in may be useful. If you are
seeing a licensed psychologist or psychiatrist, or if you are
currently taking any prescribed medications for mental health,
you may be required to undergo a psychiatric evaluation to
qualify for insurance coverage for your gastric bypass surgery.




In addition, depending upon the type of insurance you carry, you
may be required to have a referral or stay within a network of
providers. Ask your insurance company for any information or
guidelines on coverage of obesity surgery. Your request for
coverage may be denied if you fail to provide the necessary
documentation, so you should research exactly what you need when
beginning the process.




About the author:

Craig Thompson,



href="mailto:craig@renewedreflections.com">craig@renewedreflectio
ns.com



More Details about
href="http://www.renewedreflections.com/news/insurance-coverage/"
>Gastric Bypass Surgery Insurance here. Craig Thompson,
better known as "Big T," has a reputation for doing things in a
mighty big way. The former sumo wrestler who used to tip the
scales at 400 pounds has since reinvente

Etna Health Insurance News

Costco Heads To $91 Selling Health Insurance Along With Wholesale Merchandise - Forbes


Costco Heads To $91 Selling Health Insurance Along With Wholesale Merchandise
Forbes
Costco has partnered with Aetna, one of the world's largest managed health care services company, to offer health insurance services. The Costco Personal Health Insurance program offers five Aetna health plans with major medical benefits and dental ...

Read more...

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ABC News
Transgender Woman Wins Insurance Coverage for Mammogram
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TEXT-S&P revises Aetna outlook to positive - Reuters


TEXT-S&P revises Aetna outlook to positive
Reuters
Aetna's exposure to health-care reform-driven margin compression was not significant. Nevertheless, industry risk remains somewhat elevated regarding heightened regulatory scrutiny relative to pricing and the near-term uncertainty related to the ...

and more »

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Aetna Helps Members Keep Cash in Their Wallets by Keeping Their Care In-Network - MarketWatch (press release)


Aetna Helps Members Keep Cash in Their Wallets by Keeping Their Care In-Network
MarketWatch (press release)
An Aetna analysis has shown that half of members who received a referral to a surgery center did not know the referral would take them out of their health plan network. When those members were informed by Aetna and chose to stay in the network, ...

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Aetna Health & Life Insurance Company Pays $10.1M for Boynton Beach Office - CoStar Group


Aetna Health & Life Insurance Company Pays $10.1M for Boynton Beach Office
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By Sarah Burns Aetna Health & Life Insurance Company, a Hartford, Connecticut-based health insurance provider, acquired the two-story office building at 3301 Quantum Blvd. in Boynton Beach, FL for approximately $10.1 million, or about $101 per square ...

and more »

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Costco to sell health insurance - MSN Money


Costco to sell health insurance
MSN Money
By MSN Money partner 13 hours ago Costco sells everything from toilet tissue in bulk to diamond engagement rings to caskets, and now individual health insurance plans are being added to the inventory. Aetna is partnering with Costco -- known for ...

and more »

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TEXT-Fitch rates Aetna's planned senior notes 'A-' - Reuters


TEXT-Fitch rates Aetna's planned senior notes 'A-'
Reuters
Additionally, Fitch's expectation is that the amount of new notes issued will leave Aetna's current financial leverage and interest coverage metrics materially unchanged when considered on a pro-forma basis. Fitch calculates Aetna's ratios of ...

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