Insurance language can be confusing. In addition to reading through your benefits brochure, we recommend calling your insurance provider and asking the following questions:
Is bariatric surgery a covered benefit under my plan?
You will need to provide your I.D. number and Group Number, which are found on your insurance card, so keep this information handy.
What bariatric surgery procedures are covered?
Many insurance companies pay for these weight loss surgery procedures, but you should ask to be sure.
May I have a copy of the Medical Policy statement for bariatric surgery insurance coverage?
You have the right to access this information under most insurance agreements.
What is the co-pay amount, if any?
What is the annual deductible, if any, and how much have I met so far?
When does my annual deductible renew?
Knowing when your deductible renews can help you reduce your out-of-pocket costs. Here's how: Let's say you have already met $875 of your $1,000 annual deductible, and your insurance plan year begins (renews) on August 1. If you have surgery on August 2, you would again be responsible for the $1,000 deductible amount, instead of the remaining $125 from the previous year.
Are there any hospitals or surgeons in the area that you do not contract with?
Knowing the answer can help you select a surgeon who is included in your plan, and help you reduce your out-of-pocket costs.