Everything You Should Know About Getting Your Insurance Company to Cover Your Weight Loss Program.
Before you ask the person behind the counter to charge for an extra milkshake or fries, think the cost beyond the money you are paying. Obesity is becoming too expensive not just for the individual but also for the employer. The health claims made by obese employees are usually above 73 billion. Healthy employees do not make as much claims as those who are overweight. Employers, having realized how much employee obesity is costing them, are not including some weight loss programs in the health insurance docket. Even so, terms and conditions apply in matters to do with the care level and also the kind of coverage you have. Now, there are employers who are allowing their workers to pay their weight loss surgeries using the health insurance card. A single bypass surgery can go up to thirty thousand dollars but this is still cheap compared to the amount a company might spend on one individual in a year because of obesity. When the employee is spending a lot of time on doctor’s appointments it means he or she will be missing work. Nevertheless, it doesn’t mean just anyone can have their gastric bypass surgery charged on their insurance card which is why communicating with the insurance company to get the facts is highly recommended.
The insurance companies do not like to spend money even though premium has been paid and they will demand you to prove to them that the surgery is necessary. Therefore, make sure you have a strong recommendation from your doctor. Make sure the doctor includes things like your BMI, weight history, treatments and health conditions. There should be a prove that the obesity interferes with your ability to carry out your duties at work and that by losing weight you will be able to perform better. You will not succeed at getting the surgery approved if you do not demonstrate your desire to change your lifestyle. You can book appointments to consult with a medical nutritionist occasionally or even pay for gym membership. You will not get away with going through all this trouble and throwing everything out of the window as soon as you get back on your feet. You might end up paying for the surgery on your own if you go back on the conditions and terms you agreed on because the insurance company can request for deductions on your salary. If you are not ready for a bypass procedure you can click here to discover more weight loss programs which are usually included in the coverage.