Weight Loss and Health Insurance
For those of us who struggle everyday to lose weight or fight to keep it off, there is another struggle – insurance companies. With obesity at its highest level ever and continuing to rise and one of the biggest health concerns that we must face as a society it would seem that more insurance providers would offer more solutions for weight loss help.
Insurance coverage for weight loss surgery varies by state and insurance provider. Many insurance companies – both public and private – now offer coverage, including gastric bypass insurance.
While some insurers may foot the entire bill, many public or private insurance companies that cover weight loss surgery will pay 80 percent of what is considered “customary and usual” for the surgery.
Weight loss surgery is an option for Medicare beneficiaries with a body mass index (BMI) of 35, with at least one health problem related to obesity.
Whether Medicaid covers weight loss surgery varies on a state-by-state basis.
Many private insurance companies will cover weight loss surgery if your primary care doctor informs them that the surgery is medically necessary.
Insurance companies fail to look at the big picture when it comes to weight loss, many of the problems associated with being overweight such as diabetes and sleep apnea are not just exclusive to those who are categorized as obese. If they were to offer more coverage for people who need it before they become obese whether it is covering prescription medicine or weight loss programs it would actually save money in the long run.