Many people wonder, does United Healthcare cover weight loss surgery? It is not hard to find out whether or not your insurance company covers this expense. It will be listed on your insurance card. This is something that most insurance companies do. This procedure can be life saving for someone who has a medical condition that causes them to be overweight and have a hard time losing the weight they need to lose.
Your insurance company may cover this procedure for a variety of different reasons. It could be that your health is in danger due to being overweight. It could be that you have an unhealthy heart condition or other medical condition that could affect your ability to lose weight. If you have a medical condition then the surgery could be covered by your insurance policy.
Another reason that your insurance company may pay for weight loss surgery is that they see it as an emergency. They have to help you lose the weight as soon as possible. They feel that if you are not able to lose the weight after the surgery then it could cause complications with your other health conditions. The last thing that they want to do is to cause any more damage to you than what is already happening.
The surgery can come in many forms. There is gastric bypass surgery that will allow you to have a small pouch in the small intestine. This pouch is made smaller so the amount of food that you ingest is reduced. After the surgery you will only be able to eat small meals a day. This is one way that your doctor will be able to determine how soon you will be able to recover from your weight loss surgery.
Your insurance company may also cover the cost of bariatric surgery if you meet their guidelines. For instance, if you are overweight you should be able to lose about a pound a week on average. You should also have good health and stamina level. Your doctor should be able to tell you which of these factors will help you meet the guidelines and at what rate.
If you need surgery to get the pounds off then you may also be able to get financial assistance from your insurance provider. Some people choose to undergo gastric bypass surgery. It is a relatively simple surgery that can make a dramatic difference in your life. It will reduce the size of your stomach by almost half and force your body to burn fat instead of food for energy. This surgery is covered by most insurance plans.
Bariatric surgery is one type that will require financing. Before you make a commitment to having this type of surgery you should research all your options. Most people find that financing through their insurance companies is easier to pay for than a full-blown bariatric surgery. If you have health problems that will prevent you from completing the surgery or if you simply cannot afford it, then you may have to consider other options. Talk to your surgeon to see if you are a good candidate for the surgery.
Remember that even with insurance you may still have to pay for some portion of the weight loss surgery. This is usually covered as a co-payment with the insurance. You may also have to pay for part of the bill out-of-pocket. Be sure to ask your surgeon if you will be responsible for any extra costs. You will also want to find out what will happen to any pre-existing conditions that you have.
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