Get Insurance to Help You Pay for Your Gastric Bypass Surgery
With an increasing number of obese Americans, the number of gastric bypass surgeries is also going up. Insurance companies are fast recognizing the financial needs for this kind of surgery. They are now ready to shell money for gastric bypass surgery more than ever before. Below are the steps to get insurance to help you pay for your gastric bypass surgery.
Instructions
1. Discuss with your surgeon the financial aspects of gastric bypass surgery and the amount needed post-operation. This would depend on the complexity level of the surgery.
2. Assess your financial requirements. The key point is the amount you can claim from the insurance company and the money that you will have to shell from your pocket before, during and after the operation.
3. Go online and shop for the best quotes. Several insurance agents can help you buy the right kind of insurance. Take advice from reliable insurance companies or agents.
4. Compare ratings of the company. Insurance companies are rated by several agencies such as S&P and Moody's. Choose a company with higher rating and the ones which offer better service on claim processing.
5. Ask the insurance agent or read the clauses carefully in the policy. Find out whether the coverage of gastric bypass surgery is as per your requirements.
6. Provide a referral letter from your primary physician and the surgeon when necessary.
7. Maintain accurate health records and receipts before and after the surgery. They may be needed for payment the insurance claim.
8. Ensure that your surgeon has all the required documents ready for the insurance company in your case.
9. Contact the insurance company periodically before and after the surgery to know about the progress of your claim.
10. Find out the payment mode of insurance claim. Ask your insurance agent when and how the payment would be made to settle the surgeon's bill.
