I read that some insurance companies may ask for a proof of my past diet plans to cover my surgery. This puzzled me because I didn’t go to a dietician or follow a specific program for years. Is this mandatory? How did you handle this point?
AnnaFry, some companies will make you prove those attempts with forms. If your insurance company is really going that route, see if they’ll accept meeting forms from a TOPS or Weight Watchers club as those are the most affordable. Next is probably Curves. None of those groups force you to buy anything, or at least they didn’t when I tried them. I just had to pay the meeting fees. It’s shame, but some companies take it to the extremes. I have no idea what someone in a rural area would do.
I might seem logical that insurance companies will ask for our previous diet that led to our overweight. However, that should not be a reason for them not to cover for the surgery. We pay the insurance because we wanted to get financial help when we needed medical procedures that will help us become healthy.
I don’t think my insurance company asked my doctor for this kind of proof, but in a way, I guess it makes a little sense (to them). Insurance companies want to make sure that you’ve tried other, less invasive, less expensive (for them) routes of losing weight before they approve an expensive surgery. Like with medications or other surgeries, insurance companies want to save money and will try to find a way out of covering the cost of an expensive medication or surgery if they can. It’s really quite sad and not something I agree with, but the insurance companies want to save money. I hope that you can figure something out!
I agree with Jenny’s views. As much as it sounds inhumane, that’s how most insurance companies work. I just did preliminary research to see if using the insurance would be worth my time. I suppose each company does it differently.
Steve, thanks for the info. I don’t know if they will accept someone who is not a member, but we’ll see. The meeting fees sound reasonable enough to get the letter.