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It is a known fact that obesity is becoming a problem many people face. There are various ways which one can try to utilize in the hope to get rid of extra weight. One such alternative is the LAP-BAND® procedure. Basically this involves the formation of a smaller gastric pouch. This directly effects the amount of food that the person will then be able to process in his or her stomach, leading to loss of weight. Let us discuss some considerations for LAP-BAND® surgery insurance covers. A number of medical insurance policies may cover this type of operation, whereas others may not. If you already have an insurance policy, read the terms and conditions carefully or contact the insurer, so as to check whether this type of surgery is covered or not. In some cases, it may not be covered on the grounds that it is somewhat aesthetic and not medically required. Any person who is considering undergoing LAP-BAND® surgery insurance needs to make sure what the policy actually covers, since the cover may be partial, full or none at all. There are cases where a letter of medical necessity is requested when submitting an application for coverage. This basically demonstrates why such an option is medically required by the patient. This often lists any ulterior health problems which are being caused by the extra weight as well as any failed weight-loss programs or other efforts which can be documented. If the cover is denied by the insurance company, you may consider filing an appeal. Ask them the reasons why your request was denied and try to appeal them. The best way of contesting the decision is to demonstrate any health problems that are directly associated with the obesity. These include high blood pressure, diabetes and heart disease. All these can be life-threatening, and so the insurer should take you more seriously. Finally make sure that you double check with your insurer if there will be any change in the premiums you pay after the surgery. It is best if the policy covers emergency removal of the band if required. Check if any medications you may require following the operation are covered as well.
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