Meeting your weight loss goals can get pricey, so one of the first questions people ask is: Will my insurance cover weight loss clinics? Fortunately, Total HealthcareMD accepts most major insurance plans and makes trips to our weight loss clinic extremely affordable. While most insurance plans cover our services, it is your responsibility to educate yourself on your plan’s annual deductible and co-pay. You should know whether or not you have met your deductible for the current year and how that will affect your coverage. Here is some more information on funding your weight loss regimen with insurance:
Major Insurance Plans Accepted
Our response to the question of “Will my insurance cover weight loss clinics? ” is: At Total Healthcare MD, we are pleased to accept major insurance plans. Some of these plans include United Healthcare, Blue Cross, MedCost, and Cigna. We are firm believers that your weight loss journey shouldn’t make your wallet thinner.
HSAs and FSAs Can Help
If you have a Health Saving Account (HSA) or a Flexible Spending Account (FSA), you can set aside tax-free money for medical expenses including those related to weight loss. In order to use this money for weight loss initiatives, it is often required that you meet a physician’s orders in order to lose weight and treat a specific medical condition. A physician diagnosis may also give you the opportunity to use your HSA or FSA for weight-loss tools such as a gym membership, exercise equipment, or scales.
Approval May Be Required
Many insurance companies will need to approve your weight loss attempts prior to funding them. You may be asked for extensive documentation that highlights your attempts to lose weight in the past. This documentation usually includes your five-year weight history, commercial diet records, records of any exercise programs, and/or diet drugs that have been prescribed in the past.
Coverage May Be Limited
Some insurance plans will cover weight loss but may limit the particular services they are willing to fund. For example, there are many insurance plans that will exclude weight loss surgery from their coverage. Sometimes, weight loss surgery may be covered if it is approved by the insurance carrier. Approval for weight loss surgery coverage typically requires an individual to meet a certain body mass index or conditions related to obesity such as high blood pressure, type 2 diabetes, high cholesterol and coronary heart disease.
Regardless of the type of insurance plan you have, the team at Total HealthcareMD will work with you to make the weight loss process affordable. We understand that dealing with insurance companies can be difficult, so feel free to call us at 919-436-3777 with any financing related questions you may have.