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The approval rating for LAP-BAND® surgery insurance is done on an individual basis. For the most part, LAP-BAND® operations are covered by assurances when it is medically necessary. But finding out if your insurance company covers the procedure may take a few steps. Here are a few things you need to know about LAP-BAND® surgery coverage. Before you consider going through your paperwork, you may want to be sure you qualify for the procedure. One thing your doctor will take into consideration is your Body Mass Index, also known as BMI. BMI is calculated by taking a persons weight and dividing it by their height. A body mass index of 30 and above is considered obese and severely obese. Check your policy to see if they cover bariatric surgery. If you cannot locate your policy, your agent, company or human resources office can provide you with a copy. Pay special attention to the sections that show covered expenses as well as any reference to weight control coverage. Companies vary in coverage options such as full or partial coverage. Many insurance companies require prior authorization, as well as a letter of medical necessity from your physician. The aforementioned letter should have current weight and BMI, medical conditions that deal with weight, weight loss programs which have been attempted as well as the fact that the increased weight has lasted for more than a period of five years. In many cases, proof of weight loss attempts may be required. This proof usually includes receipts from commercial diet programs, exercise programs and diet medications. Also, you may be required to produce a medically approved diet plan from your doctor for the past year. Before you decide to take part in a surgical procedure, learn what you can about LAP-BAND® surgery insurance and decide if it is right for you. Consult with your doctor before partaking in any weight loss option. For more information, or if you have questions or concerns, you can explore the internets various resources.
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