Insurance and Finances in Weight Loss Surgery
Aug 19th, 2011 by Aldouspi

Insurance and Finances in Weight Loss Surgery

Weight loss surgery is known as a major surgery that is available. Because of the risks as well as the type of surgery it can cost a lot without the proper insurance in place. It is important to know what the finances will be in relation to the surgery, as well as what insurance will cover. This will help you to decide on whether the surgery is right for you.

The first question that enters into most of those who are considering weight loss surgery is whether their insurance will pay for the costs. This, of course will depend on the insurance coverage that you have. However, it can be expected that most health insurance companies will cover the cost of your surgery. Because weight loss surgery is considered to be a surgical intervention, it is considered valid by your insurance.

In order for you to get the right coverage on your insurance, you will need to meet certain criteria. This includes being over one-hundred pounds overweight with a body mass index of over forty. It also includes recognition and proof that other weight loss methods and diets have been tried and have failed. Insurance companies will also want to know if you have any medical conditions because of your weight. Different insurance companies will require different documents and forms to be filled out to make sure that you meet these qualifications. These will all help you to qualify for coverage by your insurance for the weight loss surgery.

After you have been approved by the surgeon, a letter of necessity will be sent to the insurance company. This letter will state why you need the surgery as well as specific qualifications in relation to the surgery. This step is known as preauthorization. Before any surgery can begin, the insurance company will need to make sure that it is a necessary surgery that meets all qualifications that have been specified by that company.

If your insurance company does not give you authorization to have the weight loss surgery, then you can take different steps to get approved. The first recommended step is to appeal the insurance companies reasoning. This is a simple letter written back to the insurance company stating why you need the surgery. You can also ask for a second opinion or have someone else review the information. If they state that you are qualified, then your insurance company will have to change their position. If the insurance company still does not approve your surgery, and you know that you will need it, you can speak to a legal firm or switch your insurance company.

Knowing the importance of the insurance involved in your weight loss surgery is important in determining whether you will be getting the surgery and what steps you have to take to be covered by your insurance. By knowing what this involves and understanding the process for being qualified for surgery by your insurance, it will make the processes before surgery easier mentally as well as financially.

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Finding a Weight Loss Surgeon
Aug 12th, 2011 by Aldouspi

Finding a Weight Loss Surgeon

If you are considering weight loss surgery, it is important to find a well-qualified surgeon that ahs performed many of these types of surgeries. As these surgeries are becoming more popular, more insurance companies are starting to pay. This has lead to an influx of doctors that are willing to perform weight loss surgeries. While many of these doctors probably are well qualified, it is important to make sure you are getting someone who knows what he or she is doing.

One way to find a good weight loss surgeon is the get recommendations. You might know friends, family members or co-workers who have had the surgery. Ask around to see which doctor they have had good experiences with. Most patients are more that willing to share their knowledge about a doctor they have used. Many people can also get a referral from their primary care physician. Chances are that your primary care doctor knows and recommends a surgeon that performs these types of surgeries. Ask your doctor for several names so you have an opportunity to compare the doctors' experiences and qualifications. Remember that you do not have to use the surgeon that your doctor recommends. Many times, primary care doctors will recommend another doctor based on other factors than skills. Sometimes, they may recommend someone who they are friends with or because they do not know anyone else.

After you have narrowed your selection down to a few names, you need to check on the doctor's qualifications. The first thing you will want to know is how many weight loss surgeries the doctor has done in the past. This is critical. Some studies have shown that doctors who only perform a handful of weigh loss surgeries in a year, have a higher mortality rate than those who perform many. Ask how long they have been doing the surgeries and how many they perform in an average month.

Then next thing you will want to know is if your surgeon is board certified. The surgical board approved by the American Board of Medical Specialties generally certifies a surgeon. This means that the doctor has completed the require years of residency in their field and has taken an exam to test their knowledge. Also find out if the doctor is a Felloe of the American College of Surgeons. If so, the letters, F.A.C.S. will appear after the doctor's name. This means that the surgeon has taken and passed an evaluation of both professional and ethical standards and are recommended. You can ask your surgeon if he or she is a member or call the American College of Surgeons to find out.
Many surgeons are also members of other medical societies. These are to support doctors and their profession. Many of these require continuing education and also provide peer reviews to help maintain the high standards.

After you have determined whether or not you are dealing with a well-qualified surgeon, the next thing to do is to consider where the surgery will be performed. Is it in a hospital or a surgery center? How long will you be required to stay in the facility and is the staff professional and courteous? This can make a big difference in your hospital procedure.

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