Does United Health Care Cover Weight Loss Surgery?

Does United Healthcare Cover Weight Loss Surgery? This question is on the lips of many people who are considering gastric bypass surgery. Before getting under the knife, there is one question that should be at the front of their mind. What happens if my insurance company does not cover weight loss surgery? This is one of the most important decisions any person considering gastric bypass surgery should make.

Most insurance companies have strict guidelines about what surgery is covered. There are gastric bypass guidelines for both men and women. The most important factor determining whether your insurance company will cover your weight loss surgery is whether or not it is considered a medical procedure. If it is not a medical procedure, then your insurance company will not cover the cost of the surgery. In other words, the surgery must be deemed necessary by the insurance company in order for it to be covered.

It is also important to understand what costs are associated with the surgery. As stated above, it is usually covered by the insurance company if it is deemed necessary. If the procedure is considered risky or elective, then it may not be covered by your insurance. In addition, if your doctor recommends gastric bypass surgery, you will not be covered unless it is medically necessary.

Many times, weight loss surgery is covered by the insurance companies even when the doctor does not feel it is necessary. It is a matter of what is known as "standard exclusions." This means that your surgery will be covered as long as it is not done because of your obesity. The standard exclusions are:

* Endometriosis - Your surgery will be covered if you have endometriosis. However, you will likely be paying for the entire procedure out of pocket. * Ovarian Stenosis - Even though it can occur in men, it is more common in women. This means that you may need to spend quite a bit of money on the surgery. Speak with your insurance company about how much of a price tag you should expect to pay for the weight loss surgery.

Another thing to consider is bariatric surgery recovery time. Usually, you will be out of a few days to a week of activity after having bariatric surgery. You will have to make sure that you are able to do things that normally get you through your day-to-day life. You will have to have realistic expectations about what you can do and can't do. Don't allow yourself to think that you can go back to living like you used to or eating like you used to.

You will also need to make sure that you can afford the cost of the surgery. Most insurance plans won't cover this procedure unless you can demonstrate a drastic and immediate health change. If you are obese and qualify for medical insurance, you may be able to get coverage in this procedure. If you're uninsured, you will likely have to consider other weight loss surgery options or find other ways of helping you lose weight. Talk with your health insurance company to find out if they will cover bariatric surgery or if they have any other affordable options for you.

United Health Care does not cover weight loss surgery if you have a pre-existing medical condition. It is important to discuss this issue before having the surgery. Your primary doctor or surgeon can tell you whether or not you qualify for this coverage. In addition, this is not covered in conjunction with any hospital stay, blood transfusions, or chemotherapy.