What About Lapband Surgery Insurance?

Bariatric surgery is an option, only for a person who has been drastically been trying to loose weight and has tried all other means and results have not been very satisfactory. The average cost of lap band surgery and after care with follow up can amount from $ 10000 to $ 25000 and this is a very large sum for an average person. Lap band surgery is a procedure that can help a lot of people, but at the end of the day only a handful of people can afford it. For a huge percentage of people who opt for weight loss programs the payment comes out of their own pockets. In some cases they may take loans to fulfill their requirement if they don't have adequate insurance coverage.

People have to meet certain requirements to qualify for a Medicare or Medicaid. You must have limited income if you want to qualify for a Medicare or Medicaid. Other factors which are applicable are disabilities, citizenship, income and other resources. You must be 65 years or older if you want to avail certain insurance schemes. Under the Social Security Act people with an escalated obesity problem are categorized as disabled. If you have had a kidney failure, or a kidney transplant you can qualify for an insurance policy which would cover a bariatric surgery.

You have to contact the proper social service agencies in your area if you want to find out the exact requirements for insurance Additional information can be found over the internet by visiting various sites which have information on lap band surgery As far as most insurance companies are concerned the following information is required for a weight loss or lap band surgery:

A letter written by the patient stating clearly what he/she has been doing to try to loose weight ( for example, taking regular walks, exercising by themselves or going to a gym or health care center for professional help, etc) 1. You must also possess a letter from the primary doctor you have been consulting for your health in general and weight loss in particular. 2. You must also show a record of obesity, which would include medical prescriptions and other documents and reports for the last five years. 3. An evaluation of your psychological condition. 4. Sometimes documented weight loss programs may also be asked for.

Lap band surgery like most other health oriented surgeries has its positive and negative aspects. It can be beneficial and useful to certain people who have had a morbid obesity problem. The insurance company will be very thorough regarding such a surgery.

The company will go through all the cases minutely because a lot of complicated issues are involved in a bariatric surgery. Because of these issues involved in weight loss surgery, there is a very careful approval process for lap-band surgery.