Does United Health Care Cover Weight Loss Surgery?

Many people are not aware that United Healthcare Covers Weight Loss Surgery. In fact this is one of the many health insurance options available. As with all types of health insurance plans, it is important to understand the plan and the policy limitations before signing on the dotted line. In addition, it is important to understand how the insurance policy works. Understanding weight loss surgery fully could save a person thousands of dollars.

The short answer is "yes", there is an option for weight loss surgery. However, the process to get an individual such surgery can be long and arduous. It takes time for the physician to evaluate all the information regarding the patient's medical history, as well as other factors such as the person's age, health conditions and so on. Additionally, once a decision is made about weight loss surgery, insurance may not pay for the entire cost.

If a person opts for a "not qualified" plan, they will have a more difficult time getting surgery approved. "Not qualified" plans have been in existence for decades. These plans have allowed many individuals who would not be able to get surgery approved to get their surgeries approved. However, if a person has a "not qualified" plan, it could take several months or even years for them to get approved. In some cases, it may even take several years to get surgery approved on such a plan.

In addition to this, there is another type of plan that does allow for weight-loss surgery. The most popular type of this plan is a premium weight-loss surgery health insurance plan. The difference between this plan and a not-qualified plan is that premiums will be paid directly from the insurer. Not only does the policy pay for the surgery, but it also covers all other associated expenses such as pre-operative and post-operative care, surgery supplies, hospital room visits, etc. This type of policy can often be purchased for the entire year at one time, which makes it extremely convenient for those who are financially stable and healthy.

When comparing different policies, it is important to make sure that the various coverage options are compared. There may be times when a patient only requires one surgery to correct a condition. When such a time arises, a person should look for a policy that will provide coverage for the procedure, then send off the insurance company for the remainder of the procedure. A good rule of thumb is to always have your general physician available. This will ensure that you are covered in the event of any complications during the surgery, which could result in additional charges.

Other times, a person may elect to use a Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO). These plans often require that the primary health provider is included on the plan. If there are any out of network providers, the insurance plan will cover only the portion of the procedure that is done through the out of network provider. Most people feel more comfortable with an HMO or PPO plan, as the out of network problems tend to be minimal with these plans.

It is important that individuals compare the costs of their insurance. One of the first things to compare are the co-payments for the procedure. The lower the co-payments, the less money the insurance company is going to charge for the surgery. It is also a good idea to investigate the deductibles. Some plans have a deductible, but the costs of the care can be completely eliminated if the deductible is met before the surgery.

Another item to compare is the co-morbid conditions. This refers to any problems other than the obesity that could prevent a weight loss surgery from working properly. Some examples of conditions that could prevent a patient from having their surgery are diabetes, heart disease, and other cardiac issues. These conditions can increase the risks of losing weight and will negatively impact a person's health after the treatment is finished.