| For people who suffer from
obesity or being overweight, weight-loss surgery has been proven
as an effective means in resolving or the prevention of the chronic
disease. Not to mention, the procedure can drastically enhance
one's life quality. But, weight loss surgery can be downright
expensive. Fortunately, many insurance companies extend coverage
for the procedure. From
insurance company to insurance company, several health insurance
plans will compensate either all or a percentage of the costs.
The high success rate of weight loss surgery coalesced withte
long-term health benefits is the primary reason insurance companies
cover the procedure.
Moreover, weight loss has shown significant
results in improvings oneÕs overall health quality. It can prevent
serious hospital costs down the road. Patients who lose a significant
amount of weight can lower their risk of acquiring a chronic
illness (diabetes, heart disease, certain cancers). To insurance
companies this represents a substantial savings.
Before one considers seeking weight
loss (gastric bypass surgery), itÕs a good idea to contact health
insurance plan representative. In 2004, the cost of weight-loss
surgery coverage made a moderate jump from 23 percent to 27
percent (Source: National Survey of Employer-Sponsored Health
Plans by Mercer Human Resource Consulting, 2004).
Aside from consulting a health care
provider, medical facilities and surgeons can assist patients
with exploring their insurance and financing options to perform
the weight-loss surgery. Potential gastric bypass patients are
advised to review the alternative costs for using a surgeon
out-of-plan. Coverage may be limited.
For example, Medicare, various private
and certain commercial plans have restrictions on which medical
facilities patients may visit.
Weight loss surgery tip: Before you
decide to have the procedure be sure to research the background
of any surgeon. |
