Insurance Information
At
Life Shape, we are committed to help you negotiate the complex process
of obtaining insurance approval for your weight loss surgery.
Insurance
Verification
To determine if your insurance policy covers obesity (or "bariatric")
surgery, refer to the policy package that all insured people receive
after they have paid their first premium, or received the policy
package offered by their employer. Typically, there are two sections
that describe the extent and limits of coverage. The first is usually
called "What Is Covered" or "Covered Expenses."
These are the healthcare benefits for which the company will pay.
The other section is "What Is Not Covered" or "When
the Plan Does Not Pay Benefits." In this section, the company
tells the insured which treatments they have to pay for themselves.
You should refer to your insurance information to determine whether
your policy covers surgical therapy for the treatment of morbid
obesity.
Some
policies will outright exclude bariatric surgeries. For instance,
Medicare, Medicaid, and Tricare do not pay for the Lap-Band.
Others
may have certain parameters for which bariatric procedures they
cover and how much of the costs they cover.
Below
is a partial list of companies that cover LAP-BAND® System surgery
in Florida. To date, no company has paid the total cost of the program
so all patients will have some amount of out of pocket expense.
First
Health - Mail Handlers
United
United Harris Corporation
Aetna (only for patients that are thought to be to high risk for
gastric bypass)
Cigna
A small number of Blue Cross policies. (Not Blue Cross of Florida
- check your policies)
Submission
Requirements
A Letter of Medical Necessity and weigh-loss history are necessary
to obtain prior authorization for obesity surgery. A Letter of Medical
Necessity states why significant weight loss is medically necessary
for a patient and usually includes the following information:
- Patient's
weight (which should be 100 pounds or more above ideal weight
or a BMI more than 40 or more than 35 with associated medical
problems to qualify)
- List
of medical problems associated with obesity, such as type 2 diabetes,
sleep apnea, hypertension, etc.
- Number
of years patient has been overweight (which should be at least
five or more)
- Number
and types of failed weight-loss programs attempted in the past
If
you create a document or packet listing all your weight-loss attempts
(self-controlled or medically supervised) and their results, you
can substantially increase your chances of getting insurance coverage
for the LAP-BAND procedure. You should include any commercial diets
or medical records of your weight-loss efforts. Contact
us and we can assist you in preparing these documents.
Appeals
If weight loss surgery is specifically excluded from your insurance
contract (see above) then there is little recourse other than changing
insurance companies. This is a very risky maneuver because there
is no guarantee that your new insurance company will cover your
surgery. If weight loss surgery is not excluded by contract, but
initial authorization is denied then each company has an appeals
processes that can be initiated. There are a limited number of appeals,
however, so this process should be undertaken with care. We recommend
you consider enlisting the assistance of an attorney for your appeals.
We recommend The Obesity Law & Advocacy Center.
The
Obesity Law & Advocacy Center is a full-service private law
firm devoted to representing morbidly obese persons in a variety
of legal matters. The firm handles all types of civil litigation
with an emphasis in appeal and grievance proceedings challenging
the denial of medically necessary treatment for obesity and morbid
obesity. They can be reached at www.obesitylaw.com
Patient
Financing
When insurance reimbursement is not available, patient financing
is another alternative you may consider. Since we are an outpatient
based program, and the cost of surgery at an outpatient center is
considerably less than surgery at a hospital, we can offer Lap-Band
surgery for considerably less than many other programs. In many
cases the cost of Lap-Band surgery in our program is half of what
is typically charged for the gastric bypass procedure. Individual
costs vary depending on your specific needs. Please contact
our business manager Lynne Stoldt for assistance with self funding
and financing.
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