How to Get Insurance to Help You Pay for Your Lap Band Surgery

Going through a lap band surgery is not only an important health decision, but it is also a major financial decision for many. This surgery is often considered to be cosmetic surgery by insurers and it may not be covered under your insurance policy. However, here is how to get an insurance company to help you pay for your lap band surgery.

Instructions

Difficulty: Moderate

1. Thoroughly check your insurance provider’s certificate of coverage and understand the conditions and clauses mentioned in it.
2. Talk to your doctor and ensure his full support. Obtain an obesity surgery referral from him.
3. Keep the receipts and detailed records of all visits to your doctor, dietician or any other healthcare expert.
4. Word the procedure carefully. Your insurer must see the critical need for the surgery.
5. Ask your surgeon to send a letter to the physician that asks him or her to verify the necessity of the surgery. This will initiate the insurance authorization procedure.
6. Did your insurer deny pre-authorization for obesity surgery coverage? Contest the reasons based on which insurance company denied you coverage through an appeals process.
7. Hire an insurance lawyer to handle your case and to help you sail through the appeals process easily.

Tips & Warnings

• Ask your doctor to refer some of his previous patients. Meet them and ask them how they got insurance coverage for their surgery.