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What is the main reason that some insurance companies specify

 
magasmd's Avatar
  • Answered by:magasmd
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What is the main reason that some insurance companies specify as a requirement for weight loss surgery, that a patient have been under at least one six-month physician supervised weight loss program?
I have heard/read various theories: to show that the patient is able to stick with a diet; to show that dieting has been unsuccessful in the past; to show that the patient is serious about losing weight; to demonstrate that the patient will comply with a program; etc.
I meet all other criteria to qualify for bariatric surgery (i.e. BMI over 35 with co-morbidities, over age 18) am currently doing the six-months but don't know if I actually lose many pounds will I then be denied the surgery? It would be helpful to know the purpose behind this insurance requirement.
Thank you for your help.

Submitted: 290 days and 21 hours ago.
Category: Bariatrics
Value: $20
Status: CLOSED

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Expert:  magasmd replied 290 days and 21 hours ago.


magasmd : There are many reasons. The most likely
magasmd : reason insurance companies tell patients is to avoid any unecessary surgical procedures. These procedures are of course not without risks. If a patienf can loose weight with a more noninvasive and conventional way it is much safer for the patient. Diet and exercise are the best way to loose weight and are often overlooked. Unfortunately so many of us do not have the discipline to maintain a regimen needed to get in shape. That being said the insurance companies make these requirements
magasmd : Also to discourage these procedures. If the patients do not qualify, they can save the money and keep there premiums low. However with most of these bariatric procedures the long term health benefits are so great to the patient that these companies are likely to save thousands in treating diabetes, hypertension, and hyperlipidemia. The proble
magasmd : m is that these companies will try to discourage and deny almost any claim and procedure. By doing so they save millions. It is not fair or erhical. But that is healthcare in America.
Customer :

(I tried replying two days ago but this screen kept freezing.)

First, thank you for your reply. Second, based on what you have said, would you think it reasonable that I not lose too much so that insurance cannot say I lost weight so don't need surgery? Seems to be a catch-22.

Customer :

Expert TypeBoard Certified Physician
Category: Bariatrics
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Accepts: 5
Answered: 6/23/2012

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Expert:  magasmd replied 289 days and 3 hours ago.

Many times we are faced with this dilemma. Of course if you can loose the weight by diet and exercise this is the best option. That being said it is not uncommon for some patients to add some weight to make the insurance cover a procedure. Of course that's not the healthy thing to do.

Expert TypeBoard Certified Physician
Category: Bariatrics
Pos. Feedback: 100.0 %
Accepts: 5
Answered: 6/24/2012

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Customer replied 289 days and 3 hours ago.

I guess insurance companies don't stop to realize that if the patient could lose the weight by diet and exercise AND keep it off, they would not be seeking bariatric surgery. I have lost almost 20 lbs as I go thru the 6-month program and now run the risk of falling below the minimum BMI. This will necessitate me putting on weight intentionally....as you said, not a healthy thing to do, but insurance forces the hand. Thanks.

 
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