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Coverage for weight loss surgery varies greatly by insurance plan. Historically, most insurance companies have not covered the procedures, but there is a heavy movement for reform in this area. Insurance companies that do cover weight loss surgery typically require your physician to declare the procedure “medically necessary.” To obtain authorization, your physician will probably need to provide a Letter of Medical Necessity that indicates your BMI, associated medical problems and number of years overweight as well as a history of your weight loss programs and weight lost. If coverage is initially denied, you may be able to appeal by providing additional medical documentation. Financing If your procedure is not covered by your insurance policy, there are several companies that offer financing options for elective medical procedures. Click on the links below or call their toll free numbers to learn more:
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