Insurance and Lap-band procedures ?

Insurance coverage for lap band surgery procedure depend upon person and the insurance provider. Check your insurance policy package. There you find two sections that are extent and limit of coverage. In this you find “What is not covered and the expense”. Other section which deals with what are not covered through this insurance. You have to check out that bariatric surgery excluded in it.

Insurance providers cover lap band surgery on the basis of some requirements. It is necessary to get the prior authorization for weight loss surgery. For that you need a letter of medical Necessity and weight loss history. In the letter you include the information like—

1. Weight of patients must be 100 lbs or BMI must be more than 40 or 35 but associated with any obesity related problem.
2. Point out medical problem associated with morbid obesity like hypertension, high blood pressure, type 2 diabetes etc.
3. For how many years you have been overweight.
4. Attempt of weight loss program but fail.

Most of the insurance companies depend on the National Institute of health (NIH) guidelines to determine that you should obtain weight loss surgery coverage or not. If you are denied in the first attempt then try again with the reason why you need this and why you are denied. You can take help from your surgeon\'s office staff in this process.

Amount of time it takes for approval depends on insurance company. It May takes couple of weeks or three to four weeks. As far as Iowa Medicaid is concerned than Medicaid converges depends upon the state where you are. To get more information you can contact to your local social service office.

I hope you get the information.