With obesity levels on the rise, and all of us feeling more and more desperate about the healthcare crisis around the world, there are interventions that are medically supported and safe that can help to reverse the weight gain trend in our culture.
If you have been struggling with weight issues, or if your weight is causing other health issues, you and your doctor might want to discuss your options. These options include gastric bypass surgery and lap band surgery.
These surgeries are gaining in popularity due to their success rates. Many insurance companies will cover the surgeries, which is why it is important to understand lap band surgery cost and how you can pay for it.
The costs of lap band surgery
Deciding to pursue lap band surgery is a huge decision and many patients worry about how much it will cost, and how they will pay for it. The cost will often depend on the surgeon and the facility where you will go for the procedure. This surgery will be a huge investment, and the amount of money on the price tag may initially seem shocking. However, when you think about the changes it will bring to your health and quality of life, the price becomes more reasonable.
Speak to your surgeon or doctor about all the costs that will be involved. You will not only be paying for his or her services. Ask about tests and screenings before the operation, hospital charges, recovery visits, and any other associated fees. You will need nutritional counseling, psychiatric assessments, and evaluation and care after the surgery. Depending on where you have the surgery, it will likely cost between $15,000 and $25,000. There will be other financial considerations to remember as well, such as time off from work and help you may need to care for yourself and anyone else who depends on you.
Lap band surgery insurance
Hopefully, you have a good insurance plan that will cover the lap band surgery cost. If a doctor agrees that the surgery is necessary for your health, most insurance plans will cover at least part of the procedure. You will need to talk to someone at your health insurance company to get a good understanding of exactly what they will and will not cover. Eligibility will depend on what sort of coverage plan you carry, so do not assume the procedure will be paid for just because you have health insurance. Call the customer service phone number provided by your insurance company to make sure you speak with a live person. Once you have determined what the insurance company will cover, talk to the surgeon or the hospital about what they will need for payment up front, and what you can pay after the surgery. Sometimes they will allow you to enroll in a payment plan or offer special financing options.
Your insurance company will require a letter of medical necessity before they even consider coverage. This letter will be from your physician, stating why the lap band surgery is medically necessary, and will likely include a specific medical history and details of other health problems that are being created by your excessive weight. Make sure you have this letter written before you contact your insurance carrier. If you are able to document and prove all of the failed weight loss plans you have tried before your decision to pursue lap band surgery, you will be more likely to get your insurance company to pay. They will want to know that nothing else has worked for you, and you are approaching lap band surgery as a last resort to improve your health.
Bariatric surgeries are increasing because of medical necessity and high success rates. Results are visible, and patients are not only losing weight, but also following healthier lives because of it. Confronting your lap band surgery cost will not seem so impossible once you talk to your doctor and your insurance company and develop a financial plan to make this important investment.