Bariatric surgery is one of the procedures that people most seek to undergo with the help of health insurance in the United States. At the same time, it is one of the procedures that causes the most frustration due to the refusal of most companies to cover it.
If you're one of those people looking for weight loss surgery and you're feeling a bit frustrated because everything seems too expensive in the country, at Dulcinea Insurance we offer some tips that might be helpful.
You can call our insurance agency at 786-910-9487 if you need a professional agent to help you select the best coverages on the market, to also tell you which insurance covers bariatric surgery in the United States.
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What is bariatric surgery?
Bariatric surgery is designed to help obese or overweight people regain an ideal weight in pounds based on height and age. This weight loss surgery alters the stomach and intestines to induce weight loss, and at the same time reduces the chances of high risk and premature death from diseases associated with being overweight, such as diabetes, heart and brain problems, among others.
The sad reality is that more than 42.1% of adults in the U.S. are overweight, and 9.21% are severely obese, which increases their risk of premature death. To try to alleviate this situation and maximize these individuals’ quality of life, bariatric surgery is performed, which is considered highly effective, especially for those who cannot lose weight through diet and exercise.
How much does bariatric surgery cost in the United States?
These weight loss operations in the United States are truly very expensive. In general, bariatric surgery prices in the USA range between $7,000 and $30,000, depending on several factors such as the level of complexity of the procedure (the less risky it is, the cheaper it is), the medical institution, and the doctor performing it.
It is highly recommended that before making a final decision for weight loss surgery, you thoroughly research the doctor who will perform it and the hospital (the more patients treated and the longer the time, the greater the experience and better the chances of success), and also consult other weight loss treatment programs.
If you want to know more about which insurance covers bariatric surgery, continue reading this post. At Dulcinea Insurance, we are always pleased to help you with everything related to health insurance in the USA.
¿What insurance covers bariatric surgery in the United States?
Without a doubt, bariatric surgery is a difficult procedure for which to find a health insurance company that wants to cover it. However, there are insurance companies, especially those offered through the job market, that do offer this type of benefit. But not everyone has one of the medical plans that cover bariatric surgery.
Generally, if the client goes to the Health Marketplace and looks for health insurance options, they will notice that bariatric surgery is not covered. And the same happens when looking for an individual private policy.
The insurance companies' pretext is that these weight loss operations are cosmetic in nature, and even if the patient demonstrates a true medical necessity, in the end, after months of claims, they end up declining coverage for the procedure. This is why it is so rare for there to be health insurance that covers bariatric surgery in the United States.
What to do if your health insurance doesn't cover bariatric surgery?
Since there are not many medical plans that cover bariatric surgery, in the event that your health insurance does not want to cover the weight loss operation (as we mentioned earlier, it is very possible that this will happen), you always have the option of reaching a payment agreement with the hospital and the doctor who will perform it. In most institutions, there are credit programs for patients.
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Many patients, faced with the sad reality of high prices for the procedure and no insurance coverage, prefer to go to other countries, especially in Latin America, where they find much lower prices.
Unfortunately, obesity, which is a quite common problem in the United States, does not prioritize bariatric surgery as a potential cure within its healthcare system.
In any case, we always remind you that if you are overweight, you greatly need health insurance to take proper care of your health. Although there are not many insurance plans that cover bariatric surgery, it is always very positive to have insurance that covers everything else. And we at Dulcinea Insurance will gladly help you for free to select the best plan for you if you call us at 786-910-9487.
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