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A decision to have a surgical operation has not only health implications but it will also have significant financial bearing. It is no different when it comes to LAP-BAND® surgery insurance. There are a number of factors that influence the total cost that need to be considered when the decision is made to have this type of surgical operation. What makes this procedure different than other non-essential or cosmetic procedures is that this surgical procedure can be done as a health measure. A persons health status and other factors that contribute towards cost are factored in when the total amount payable is being calculated. For example, costs will vary depending on the surgeon doing the procedure, the geographical location with some being cheaper than others, cost of anesthesia, costs of admission, in and out-patient care and the preparation required before surgery all determining cost. On average though, the costs vary in the US depending on which state you live with all these costs included. It is important what insurance will cover and what it will not. Coverage companies are coming round to covering this surgery as it often undertaken as a health preservation measure rather than for cosmetic reasons. Insurers will often ask for proof that the procedure is necessary and you can prove this with tests that confirm that you are suffering from high blood pressure, sleep apnea or possible heart problems because of the excess weight. Some companies will fully cover the procedure when necessity is proven. Others may only partially cover it, leaving some costs to you. If you are turned down by your insurance company, lodge an appeal; many have successfully done so. If you have significant weight problems, find out if you would be covered if you needed the surgical procedure. If not, change your insurance provider, ensuring that your weight and ensuing problems will not be treated as a pre-existing condition.
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