Mar 11, 2010 | 4:35 am
Paying for Your Surgery - Insurance
Mary Ann McCarthy, Insurance Specialist
INSURANCE AND FINANCING:
To determine if your insurance policy covers Bariatric Surgery for Morbid Obesity, refer to your benefits section. You should contact your insurance company to see if it is a covered benefit in your contract. Many insurance companies require 3 to 12 months medically supervised weight management. Some policies exclude Bariatric Surgery.
SUBMISSION REQUIREMENTS:
A letter of medical necessity from your physician is required. We will provide you with a sample medical necesity letter when you meet with our insurance specialist.
The letter should state medical problems associated with obesity such as type 2 diabetes, hypertension, sleep apnea, etc..
Number of years patient has been overweight
List of physician supervised diets and structured exercise within the past 6-12 months
List of any medications physician prescribed for you
APPEALS
If your surgery has been denied you have the option to appeal to your insurance company. You can appeal by addressing the specific reasons why your request has been denied. The insurance specialist will assist you with the appeals process.
FINANCING
When insurance reimbursement is not available, patient financing is another alternative you may consider.
Contact us for more details.