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Affordable Individual Health Insurance Article

Financing a Bariatric Surgery
Eddie Tobey

Bariatric surgery for weight loss may be a life-saving procedure, but it is not cheap. Although a number of insurance companies cover the procedure, many individuals find that their medical insurance providers balk at the cost. Most insurance companies require a letter outlining a patient’s weigh-loss history and the medical necessity for the surgery before they will even consider financing the procedure. Even with a carefully crafted letter, many insurance companies will refuse to authorize the surgery.


If this happens, the patient should not give up hope, since most insurance providers give patients an opportunity to appeal a denial. Most insurance companies require that patients appeal within 30-60 days after receiving a denial of coverage. The bariatric surgery insurance Appeal Letter should include information disputing the insurance provider’s reason for denial. As a last result, patients may need an attorney to help prove the medical necessity of the procedure.

For patients with no insurance, there are financial alternatives available. A number of financial institutions offer financing specifically for healthcare expenses such as co-payments, deductibles, and procedures not covered by insurance, including bariatric surgery. Some offer no-interest, same-as-cash plans as well as extended payment plans. Some bariatric surgery centers contract with finance companies to offer financial assistance to patients who are interested in this type of surgery but do not have the insurance to pay for it.

Finally, a patient can take out a home equity loan to finance the procedure. Those patients who do elected to pay for bariatric surgery themselves should keep in mind that it may be tax deductible, since it is considered a major medical expense. A consultation with an accountant may e in order.
Bariatric Surgery Info provides detailed information on bariatric surgery, including cost, patients, centers, diet, financing, and complications, as well as specific procedures like laparoscopic and bypass surgery. Bariatric Surgery Info is the sister site of Gastric Bypass Surgery Web.




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Sprig Health Offers Busy Parents Easy, Affordable Access to Oregon Pediatrics

PORTLAND, Ore., Feb. 7, 2012 /PRNewswire/ -- In the midst of the cold and flu season, SprigHealth.com is offering timely appointments with one of the largest pediatric practices in the area, Oregon Pediatrics. ...

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Health Insurance and Medical Deductions - eHealthInsurance Releases Top Consumer Tips for Tax Season

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Low enrollment but high costs for Pre-Existing Condition Insurance Plans

The Department of Health and Human Services (HHS) reported in January that as of November 11, 2011 there were 44,852 people enrolled in state-level Pre-Existing Condition Insurance Plans (PCIPs) created by the Affordable Care Act (ACA), up from 8,011 a year earlier.?? The Centers for Medicare & Medicaid Services had predicted PCIP enrollment of 375,000 ...

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First Person: I Left My Job, But Not My Affordable Health Insurance

*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

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Health Insurance for Children in 2012: eHealthInsurance Publishes Updated Data on Open Enrollment Periods and Product ...

MOUNTAIN VIEW, CA-- - Today eHealthInsurance , the leading online source of health insurance for individuals, families and small businesses, released an updated list of open enrollment periods for child-only ...

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Highmark Introduces New Individual Health Insurance Plan Featuring Simple, Affordable Coverage With Low Deductible

PITTSBURGH , Jan. 12, 2012 /PRNewswire/ -- Today, Highmark Inc. introduced Simply Blue PPO, a new individual insurance plan that offers simple health insurance coverage with a low premium, low deductible ...

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Individual mandate in health care law is not about federalism: Rebecca L. Brown

The undeniable strength of the national interest in this law renders it profoundly different from prior laws facing commerce challenges. Clearly, the Affordable Care Act targets "commerce ... among the several States."

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