Contact the benefits advisor (should be on your card), and you will be able to get your answer there. Some health carriers are paying for this surgery now, under certain conditions. good luck !!!!!!!!
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In order to verify that you meet the patient criteria for lap band surgery, your primary care doctor and/or bariatric surgeon will need to send a Letter of Medical Necessity to the insurance company. The Letter of Medical Necessity is a statement of your height, weight, BMI, health conditions, medical records, previous weight loss attempts, psychological exam results, medical necessity for weight loss, and your doctor's support and recommendation for lap band surgery.
Some coverages will, but many will not. Some items to have in advance that might help convince your insurance company: * A letter from your family doctor, internist, or primary care physician with proof of morbid obesity and any side-effects of it (such as hypertension, Diabetes, Arthritis); * A letter of consultation from a nutritionist familiar with the Lap-Band procedure; * A letter of consultation from a psychiatrist or psychologist familiar with the Lap-Band procedure. Some surgeons, especially those who specialize in the Lap-Band procedure and offer continuing care beyond the surgery itself, can advise you further on this.
Every insurance plan is different regardless of if it is group or individual. The only way to answer this question is for you to call the 800 # on the back of your card. You can also have the doctor's office pre certify the surgery for you and that would give you the answer you need. Some insurance companies are begining to pay for weightloss surgeries. Good luck!
This depends on your state and your plan design. Gastric Bypass is becoming largely more popular and slowly becoming covered by most major insurers. But, like I said - this completely depends on your plan. Some plans only cover certain types of gastric bypass (some including lapband, others not); some plans only cover it for employer groups of a certain size or certain funding mechanism. Each plan's terms, conditions, exclusions, and limitations will be different.
Try calling your local BCBS plan or reading your Benefit Plan Booklet for more information! Many charge an access fee (an amount in addition to yoru copay/deductible/coinsurance), while others do not. Some have pre-requirements (like going through a diet program, health coaching, etc) before allowing coverage of the Bariatric procedures. Unfortunately, this is a question that will have to be answered by your Blue plan.
It may be possible for medi-cal to foot the bill for the lap band surgery. You Will have to undergo many tests though your PCP (Primary Care Provider). he must then make the final evaluation concerning your health with and without the surgery. Medi-cal has very strict policies to what they will cover. Usually you have to be labels 'terminally ill' or if you don't get the surgery your health would deteriorate
I want to get the lap band surgery to help me get off all my Medication and I was wondering if Medi-Cal or Medicaid pays for surgery